Job Title

A New Age Financial Services Corporate specializing AIFs, PMS and Mutual Funds and serving retail , HNIs and Family Offices is Hiring for Credit Manager - LASRole Objective The Credit Manager will be responsible for evaluating the creditworthiness of individuals and corporate entities applying for Loans Against Securities. You will manage the end-to-end credit underwriting process, ensuring that the collateral (shares, mutual funds, bonds) meets the company’s risk appetite and regulatory guidelines.Key Responsibilities Credit Underwriting: Conduct thorough financial analysis and due diligence of loan applications for LAS, ESOP financing, and IPO financing. Collateral Evaluation: Analyze the quality, liquidity, and volatility of the security basket (Equity, Debt, Mutual Funds). Risk Assessment: Evaluate borrower profiles, including debt-to-income ratios, credit history (CIBIL), and repayment capacity. LTV Management: Determine and monitor Loan-to-Value (LTV) ratios and set appropriate margins based on scrip concentration and market trends. Market Monitoring: Keep a pulse on equity markets and macroeconomic factors that could impact collateral value or borrower stability. Policy Compliance: Ensure all approvals adhere to the NBFC’s credit policy and RBI mandates. Stakeholder Management: Coordinate with the Sales and Operations teams to ensure a seamless turnaround time (TAT) without compromising credit quality.Technical Skills & Qualifications Education: CA, MBA (Finance), or CFA.Experience: Proven experience in Credit Risk or Underwriting, specifically in LAS or Capital Market products within an NBFC or Bank. Regulatory Knowledge: Familiarity with RBI guidelines regarding lending against financial assets.#LoanAgainstShares #LoanAgainstSecurities #LoanAgainstMutualFunds