credit relationship manager

HDB Financial Services Ltd.

<div>
 <strong>
  Job Role
  <br/>
  <br/>
 </strong>
 Handling Credit operation from login to Disbursement.
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 Credit Decision Making for Personal Loans and forwarding Proposals for Business and Mortgage Loans.
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 Handling Credit and Operational issues.
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 Monitoring vendors Like Field Investigating agencies, Valuation Legal agencies for Mortgage loans and maintaining TAT.
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 Taking care of audit queries and maintaining good audit score.
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 Taking care of collection of Front-end cases and maintaining branch portfolio.
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 Preparing MIS, Collection reports on daily basis and Weekly review reports.
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 Assisting customers with queries, requests complaints.
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 <strong>
  Key Responsibilities
  <br/>
  <br/>
 </strong>
 Assessing overall Credit Eligibility of customer recommended the case to higher authority.
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 Policy -Deviation Tracking.
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 Strong analytical and problem solving skills.
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 Documentation, Disbursement File Processing.
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 Knowledge on secured and unsecured loans.
</div>


Credit Relationship Manager - Auto Loans

Aventus

<div>
 <p>
  <strong>
   Title:
  </strong>
  Credit Manager (Fintech)
 </p>
 <p>
  <strong>
   Location:
  </strong>
  United Arab Emirates
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   About the Client
  </strong>
 </p>
 <p>
  Our client, a reputable financial institution, is looking for an experienced Credit Manager to join their credit team. The role involves overseeing SME and corporate credit evaluation, risk management, and ensuring sound credit policies and practices.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <ul>
  <li>
   Assess credit applications from mid-sized and large corporate clients with detailed financial analysis to determine creditworthiness.
  </li>
  <li>
   Oversee credit products including working capital finance, supply chain finance, and term loans through financial underwriting approaches.
  </li>
  <li>
   Support the integration of digital lending tools and contribute to the automation of credit decision-making.
  </li>
  <li>
   Conduct ratio and financial statement analysis to evaluate the financial health of borrowers.
  </li>
  <li>
   Assist in developing and updating credit policies, ensuring compliance with regulatory standards and internal controls.
  </li>
  <li>
   Produce regular reports covering credit portfolio performance, risk exposures, and compliance matters.
  </li>
  <li>
   Collaborate closely with sales and client relationship teams to tailor credit offerings that align with customer needs.
  </li>
  <li>
   Provide coaching and guidance to junior credit staff to strengthen credit evaluation skills.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Requirements
  </strong>
 </p>
 <ul>
  <li>
   Minimum 10 years&rsquo; experience in SME or corporate lending, with strong credit risk management expertise.
  </li>
  <li>
   Proven ability to evaluate credit risk and manage lending portfolios in line with regulatory frameworks.
  </li>
  <li>
   Strong knowledge of financial analysis and credit underwriting principles.
  </li>
  <li>
   Bachelor&rsquo;s degree in Finance, Accounting, Business, or a related field; advanced qualifications preferred.
  </li>
 </ul>
 <p>
 </p>
</div>


Credit Manager (Fintech)

Rentokil Initial

<div><p>The credit control manager will manage the credit control function to ensure timely collection, consistent application of credit standard operating procedures (SOP), and accurate assessment of the creditworthiness of existing and potential customers. Moreover, he/she:</p><p></p><ul><li>
Provides the team with adequate training, coaching and mentoring in order to develop their conceptual collection skills, ensure development and proper career paths;</li><li>
Organizes and staffs the team with adequate resources and talent in order to achieve the desired levels of organisational excellence;</li><li>
Ensures reconciling top customers as per the SOP in order to maintain healthy receivables and to avoid any discrepancy with the customers' accounts;</li><li>
Ensures that the contract to cash receivables and credit control SOP is implemented and abided by;</li><li>
Manages and solves all the customers' issues in order to maintain a win-win situation and a good relationship with them;</li><li>
Follows up with the sales and operations teams to proceed all pending credit notes in order to avoid delay in issuing the invoices;</li><li>
Submits all required daily, monthly and quarterly reports assigned by the finance manager or any external governmental ministries;</li><li>
Carry out annual credit risk evaluation to map the credit and risk profile of customers so that actions can be taken to minimize risk.</li></ul><p><b>
Requirements:</b></p><ul><li>
BA degree in Accounting, Finance, Business Administration or any relevant field</li><li>
10 years of commercial experience.</li><li>
Proficiency in English and Arabic with excellent verbal and written communication skills</li><li>
Effective decision making and problem-solving skills</li></ul></div>

Credit Control Unit Manager

<div><p>The credit control manager will manage the credit control function to ensure timely collection, consistent application of credit standard operating procedures (SOP), and accurate assessment of the creditworthiness of existing and potential customers. Moreover, he/she:</p><p></p><ul>
<li>
Provides the team with adequate training, coaching and mentoring in order to develop their conceptual collection skills, ensure development and proper career paths;</li>
<li>Organizes and staffs the team with adequate resources and talent in order to achieve the desired levels of organisational excellence;</li>
<li>Ensures reconciling top customers as per the SOP in order to maintain healthy receivables and to avoid any discrepancy with the customers' accounts;</li>
<li>Ensures that the contract to cash receivables and credit control SOP is implemented and abided by;</li>
<li>Manages and solves all the customers' issues in order to maintain a win-win situation and a good relationship with them;</li>
<li>Follows up with the sales and operations teams to proceed all pending credit notes in order to avoid delay in issuing the invoices;</li>
<li>Submits all required daily, monthly and quarterly reports assigned by the finance manager or any external governmental ministries;</li>
<li>Carry out annual credit risk evaluation to map the credit and risk profile of customers so that actions can be taken to minimize risk.</li>
</ul><p><b>
Requirements</b></p><ul>
<li>
BA degree in Accounting, Finance, Business Administration or any relevant field</li>
<li>10 years of commercial experience.</li>
<li>Proficiency in English and Arabic with excellent verbal and written communication skills</li>
<li>Effective decision making and problem-solving skills</li></ul></div>

Acuity knowledge Partners

<div><div><b>Acuity Analytics is looking forward to hiring folks with expertise in FIG domain.</b></div><div></div><div><b><br>
Job location- Bangalore</b></div><div></div><div><b><br>
Job Purpose</b></div><div>
We are looking for a passionate, energetic resource to join the core Lending Services team. You will be part of team working as an extension to our US based client ensuring we fulfill the applicable SLA&rsquo;s.</div><div></div><div><b><br>
Key Responsibilities</b></div><div><b>
</b></div><div>
Credit Analysis/ Rating (FIG)</div><ul><li>Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of the Banks, Insurance, NBFC&rsquo;s and other Financial Institution counterparties.</li><li>Managing a portfolio of clients and handling rating assignments.</li><li>Preparing credit reports by including profile of the counterparty, key rating considerations, credit risk assessment, CAMEL based financial analysis (including profitability, capitalization, liquidity etc).</li><li>Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties.</li><li>Adhering to standard operating procedure &amp; policies including compliance documentation.</li><li>Maintaining strong relationship with the client.</li></ul><div>
</div><div><b>
Key Competencies</b></div><div></div><ul><li><br>
Strong understanding of credit principles, policies and regulations for Banks and Financial Institutions counterparties.</li><li>Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree.</li><li>Excellent written &amp; verbal communication skills and ability to build effective relationships with various stake holders.</li><li>Ability to multi-task independently under tight timelines and eye for details.</li><li>3 - 10 year&rsquo;s relevant experience in the field of credit analysis for Financial Institution.</li></ul></div>

Credit Review/ Analysis_FIG- BLR (Sr Associate/ Delivery Lead/ Manager)

Fitch Ratings

<div></div><div><div><div><div><div><p>Associate Director/Director, Business Relationship Management (BRM) - Private Capital - Middle East
</p></div></div></div></div><div><div><div><div><b>Requisition ID: </b>49022
</div></div></div></div><div><div><div><div><b>Business Unit: </b>Fitch Ratings
</div></div></div></div><div><div><div><div><b>Category: </b>Business Development &amp; Sales
</div></div></div></div><div><div><div><div><b>Location:
</b>Dubai, Dubai, AE
</div></div></div></div><div><div><div><div><b>Date Posted: </b>Nov 21, 2025<br>
</div></div></div></div><p></p><div><div><div><div><p><b>Role Summary</b></p>
<ul><li>Own relationships and create revenue opportunities from public and private sector investors spanning large institutional SWFs, global/regional asset managers, banks, and family offices in the Middle East by originating and converting credit rating opportunities, specifically in special situations and private credit market</li></ul>
<ul><li>Apply a cross-sector and multi-asset solutions approach to create tailored rating services (e.g., public and private monitored ratings, credit opinions, rating assessment services) and manage the full commercial lifecycle from prospecting to fee negotiation and post-transaction relationship expansion</li></ul><br>
<p>
</p><p><b>Key Responsibilities: Commercial leadership and revenue growth
</b></p><ul><li>Build and execute a territory plan to deliver annual new-business and retention targets for the entire ratings product offering with investors based in the Middle East, aligning with revenue-led best practices and visibility across the organization
</li></ul><ul><li>Develop pipelines across private credit lending and investing themes, including direct lending, Fund Asset Management lending, opportunistic/structured credit, and bespoke private placements in line with the growing demand for bespoke private credit solutions in the region</li></ul>
<ul><li>Identify and convert rating opportunities to execute subscription line, NAV finance, and leverage finance via engagement with sponsors, lenders, and banks managing capital positions of their balance sheet.</li></ul><br>
<p>
</p><p><b>Client coverage and solutions</b></p>
<ul><li>Serve as primary BRM relationship owner for target SWFs, pension funds, insurance investors, and family offices; map decision-makers across CIO, private credit, treasury, capital markets, portfolio managers, and risk
</li></ul><p>&bull; Educate clients on how private ratings/opinions can support capital formation, counterparty eligibility, collateral optimization, and governance, reflecting private market nuances (illiquidity, bespoke terms, floating-rate structures) &bull; Navigate local/regional regulatory considerations</p><br>
<p></p>
<p><b>
Go-to-market execution and deal management
</b></p><ul><li>Drive coordinated campaigns with marketing and product to target themes like M&amp;A activity, direct lending, NAV/subscription line facilities, Fund financings, and Structured Finance such as ABS, RMBS and CLN/Multi-Asset Linked notes
</li></ul><ul><li>Build partnerships with regional and global banks, law firms, advisors, and placement agents active in private credit, co-investments, and placements to source opportunities; market mapping supported by job-market visibility across private credit in UAE/GCC to prioritize segments</li></ul>
<ul><li>Maintain rigorous pipeline hygiene, forecasting accuracy, and revenue reporting in CRM tools, consistent with revenue operations best practices for visibility and predictability</li></ul><br>
<p></p>
<p><b>
Market insight and thought leadership
</b></p><ul><li>Provide client and competitive intelligence to inform product development and pricing; contribute to regional thought leadership on private credit trends</li></ul>
<ul><li>Identify white spaces for new or adapted rating offerings aligned to Middle East investor needs</li></ul>
<ul><li>Synthesize private credit trends and translate into actionable campaigns</li></ul><br>
<p></p>
<p><b>
Qualifications and Experience</b></p>
<ul><li>10+ years in institutional coverage, capital markets, private credit, subscription finance, or structured finance within banks, asset managers or advisory firms; strong track record of originating and closing revenue with institutional investors
</li></ul><ul><li>Deep understanding of private credit (direct lending, opportunistic/structured credit), including the bespoke, negotiated nature of private loans and the growing institutional demand for private credit solutions
</li></ul><ul><li>Familiarity with the fund management landscape of the region and their investment strategies and organizational structure; ability to engage with fund finance teams and lenders on facilities backed by investor commitments
</li></ul><ul><li>Demonstrated revenue leadership: building territory plans, forecasting, and driving cross-functional execution to hit budget and growth targets, consistent with revenue management leadership profiles
</li></ul><ul><li>Experience with Middle East institutional clients (SWFs/GRIs) and multicultural, cross-border operations; knowledge of regional business practices and governance considerations relevant to finance roles spanning the Middle East
</li></ul><ul><li>Strong commercial negotiation skills, executive presence with CIO and senior stakeholders, and ability to articulate value of private ratings and opinions in financing and investment workflows</li></ul><br>
<p></p>
<p><b>
Skills and Competencies
</b></p><ul><li>Client origination and strategic account management with SWFs and large institutional investors
</li></ul><ul><li>Product fluency across private monitored ratings, private credit opinions, and rating assessment offerings applicable to private credit, private placements, subscription finance, and securities lending</li></ul>
<ul><li>Revenue operations discipline: pipeline management, forecasting, pricing strategy, and CRM/BI usage to improve revenue visibility and predictability
</li></ul><ul><li>Cross-functional leadership to align analytical, legal, operations, and marketing around client objectives and timelines
</li></ul><ul><li>Regulatory awareness for regional interactions and materials, particularly in KSA and UAE contexts when applicable
</li></ul><ul><li>Fluency in spoken/ written English. Arabic is an advantage</li></ul><br>
<p></p>
<p><b>
Education and Certifications
</b></p><ul><li>Bachelor&rsquo;s degree required; advanced degree (MBA or similar) preferred. Professional certifications (e.g., CFA, ICMA) are a plus</li></ul><br>
<p>
</p><p><b>KPIs and Performance Metrics
</b></p><ul><li>New-business including rating assessment services, revenue and multi-year fee commitments for monitored ratings and credit opinions
</li></ul><ul><li>Retention rates across covered investors
</li></ul><ul><li>Pipeline coverage and forecast accuracy; win rates for targeted themes (private credit, private placements, subscription finance, securities lending), consistent with revenue leadership metrics like budget attainment and forecast accuracy used in revenue-focused roles
</li></ul><ul><li>Executive engagement: number and quality of strategic meetings with SWFs and large institutional clients; depth of multi-stakeholder relationships</li></ul><br>
<p></p>
<p><b>
Travel
</b></p><ul><li>Regional travel across GCC and broader MENA to cover client portfolios and events.</li></ul><br>
<p></p>
<p><b>
Why this role matters now</b></p>
<ul><li>Institutional demand for private credit continues to grow, with private lending solutions tailored to borrower needs and often floating-rate structures; regional SWFs and large investors are active allocators, creating fertile ground for private ratings and opinions attached to financing and investment flows
</li></ul><ul><li>Expansion of fund financing (e.g., subscription lines/NAV financings) and ongoing activity in securities finance create additional rating revenue opportunities across counterparties and facilities</li></ul></div></div></div></div></div><p></p>

Associate Director/Director, Business Relationship Management (BRM) - Private Capital - Middle East

Aditya Birla Group

<div><div><div><div><div><div><p>Credit - Retail Secured
</p><p>Credit Manager</p>
<p>Location: N-BRM, Barmer</p><p></p><div><div><br>
</div></div></div></div><div></div><div><div><div>Credit Manager</div><div></div><div><br>
Key Result Areas Supporting Actions 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) To Assess and conduct detailed credit analysis &amp; evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision at the Regional / National / Credit Committee levels &#61623; To scrutinize the credit proposals by analyzing the client creditworthiness, business strength, market credibility, Financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance &amp; adherence to other internal credit norms &#61623; To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer. &#61623; To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance &#61623; To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated. &#61623; To submit Credit Appraisal Memo to the Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision. &#61623; Ensuring no loss of revenue &ndash; by issuing proper sanction letter as per approvals are being issued, Key Result Areas Supporting Actions capturing the right deviation while assessing the case &#61623; To ensure document execution from RMs &amp; the handover of complete documentation to MOG for disbursement of loans. Ensuring proper mortgage is created in favour of ABFL. Ensuring the underlying security mortgaged is marketable and having a clear title. &#61623; Significant Credit Delegation and deviation authority. Area Credit Manager have the financial delegation of up to 1.50 Crs. &#61623; Introduction of high risk products like funding on industrial, warehouse and Plots properties as well as significant increase in the threshold limits of non-income base surrogate products which make experience and required skill set of person handling the portfolio extremely critical. This is unlike many banks and NBFCs which are into pure residential and commercial completed properties only. To monitor the existing portfolios based on designed formats and parameters &#61623; To monitor the Mortgages portfolio performance by continual analysis of changes in fundamentals &amp; reviewing the ratings change, analyze covenants for deviations and evaluate industry performance norms in that sector &#61623; To monitor the overdue position and take appropriate steps to support the recovery process for the same. &#61623; Follow up for the pending OTC and PDD documents for the location, Critical review of the pending documents. Key Result Areas Supporting Actions &#61623; Monitoring and keeping an eye on loans by tracking various covenants and monitoring sanction condition put in the proposals at the time of approvals. &#61623; To maintain network with other financial institutions and able to take independent local industry references for customers if required &#61623; With increased delinquency and stressed levels, requirement of driving consistent monitoring of the accounts has increased the complexity of the role. Area Credit Manager and his team below plays important role in overall framework of monitoring policy whether it is identification of stressed accounts or timely exit of identified stressed account. Risk Team along with collection and business is equally responsible for resolution of delinquent account and it is critical part of their KRAs. June 2017 ending mortgage Portfolio (Ticket Size below 25 Crs and Construction finance cases) is INR 4200 Crs with average ticket Size of INR 3 Crs. Every 10 accounts going delinquent increases delinquency by 70 Basis point in the given portfolio. To adhere to compliance policies in proposal evaluation &#61623; To ensure that each proposal complies with credit policies; internal &amp; external norms of lending &#61623; To be involved in continual revision of credit norms by giving requisite inputs to the management &#61623; To support development of new credit policies and evaluation norms To ensure compliance with robust documentation mechanism &#61623; To maintain thorough documentation process for effective tracking of proposal documents and TAT monitoring To prepare regular MIS for areas under risk management and give presentation to various stakeholders &#61623; To prepare MIS &amp; trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle &amp; send them to the team leader/CRO Key Result Areas Supporting Actions Process Management &#61623; Ensuring that end to end processes are followed as per the SOPs as defined for Mortgages at the local assessment level &#61623; Ensuring proper distributor network is being followed &ndash; to avoid future fraud&rsquo;s &#61623; Continuous improvement in credit approval process to meet the dynamic business needs and instituting mechanisms for adherence of risk associated with the product s, safety of financed amount and customer satisfaction. &#61623; Proper capturing of data in the requisite system to ensure proper MIS generation for business decisions &#61623; Training implementation for Local Credit Process team, Sales team on product, processes, legal and technical aspects. &#61623; Handling customer escalations and complaints during and post disbursements &ndash; replies to mailers, correspondences with co-ordination with the legal team Team Management &#61623; Managing the Credit Analyst to ensure that TAT, Process and Credit Quality are adhered to. &#61623; Managing team of CPAs to ensure that TAT, Process and Credit Quality are adhered to. The role also includes training and nurturing CPA&rsquo;s. Training in underwriting, legal and technical. Coordinating with internal teams in case of structured transactions. Vendor Management &#61623; Identifying and recommendation for Appointment of vendors at local levels including valuation, Key Result Areas Supporting Actions legal, Field Investigation Agencies, Fraud Containment Agencies. &#61623; Managing TAT with various vendors &ndash; a) Field investigation, b) Lawyers, c) Technical Valuers, d) RCU agency to ensure Customer Delight &#61623; Regular Training and reviewing the performance of the vendors with regular interaction and keeping eye on the other financial institution association.</div><div></div>
</div><div><div><p>Minimum Experience Level</p>
<div><div>0 - 4 years</div></div>
</div><div></div><div><p>Job Qualifications</p></div></div></div></div></div></div></div><div></div>

Credit Manager

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