Credit Manager

Company Description ECL Finance Limited is part of the Edelweiss group, which offers a broad range of financial products and services to corporations, institutions, and individuals. The group serves a substantial and diverse client base, providing solutions across various segments of the financial services industry. ECL Finance Limited focuses on delivering responsible credit and investment solutions that support sustainable growth. Team members benefit from working in a dynamic environment with exposure to multiple financial products and client profiles. The organization emphasizes integrity, performance, and customer-centricity in all aspects of its operations.Role Description The Credit Manager role at ECL Finance Limited is a full-time, on-site position based in Patna. The Credit Manager will assess credit proposals, analyze financial statements, and evaluate creditworthiness for a range of clients. Responsibilities include setting and monitoring credit limits, preparing credit appraisal reports, and ensuring adherence to company credit policies and regulatory requirements. The role involves close collaboration with sales, operations, and risk teams to maintain portfolio quality, manage delinquencies, and support business growth. The Credit Manager will also track market trends, update risk parameters, and recommend improvements to credit processes and controls.Qualifications Strong credit management and credit risk management skills, with experience in evaluating and structuring credit facilities.Robust analytical skills and finance knowledge to interpret financial statements, cash flows, and risk indicators.Understanding of core credit concepts and practices, including credit assessment, collateral evaluation, and portfolio monitoring.Relevant academic background, such as a degree in Finance, Accounting, Economics, Business, or a related field.Proficiency in Excel and financial analysis tools, with attention to detail and accuracy in documentation.Effective communication and stakeholder management skills to work with internal teams and external clients.Prior experience in NBFCs, banks, or other financial institutions in a credit or risk role is preferred.Ability to work on-site in Patna, manage deadlines, and make sound, data-driven decisions under time constraints.