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Position Title: Credit Relationship Manager ( Officer/ Sr. Officer)
Organization: Electronica Finance Ltd
Location: Rajkot
Department: Credit-CPC
Reports to: Head of Department (HOD)

Key Functions & Responsibilities:

  • Checking and appraising proposals, scrutinizing documents including Cibil analysis by ensuring proper KYC etc. before sanctioning with proper TAT and Quality and presenting the same to Credit manager/Senior credit managers at HO directly or through Credit team at HO.
  • Handling all system related work including entry into DMS, Jayam System etc.
  • Reference check of the customers from neighbors, customers, suppliers, market and/or existing customers.
  • Coordinating with the team. Keeping update about market scenario in his area and giving constant updates to Head office credit team.
  • Primary assessment & analysis of reasons of non-starter cases.


Experience and knowledge:

  • Having at least minimum 1-4 years’ experience from BFSI preferably for underwriting experience in loan products like secured loans, Working capital, Project funding, Bill Discounting.
  • Should have knowledge about Financial statements (preferably understanding of ratios & analysis), Banking, CIBIL reports, etc.


Education:Â B.COM /M.B.A Finance/ M.com and ANY postgraduate
Experience: 2 to 7 years
Language Skills: Â English, Hindi.


Technical Competencies Required:

  • Good experience in Credit underwriting
  • Good in Ratio analysis, Balance sheet analysis, P&L analysis
  • Good eye for detail
  • Good analytical Skills
  • Understanding of credit policies and procedures


Behavioral Competencies Required:

  • Analytical thinking
  • Commitment
  • Result oriented
  • Customer Centric
  • Concern for quality
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