Credit Manager Female Graduate Jobs in Mumbai

Job descriptionResponsible for Credit & Risk appraisal of Secured Loans. Appraising deviations basis mitigants, relationships, local market knowledge, etc.Meeting customers to understand their needs and structure a proposal that fulfills both customersRequired Candidate profileUsing different avenues to get the customer information while underwriting. Experience in entire loan processing operations including scrutinizing the borrower assets, KYC, and Financial documents.

1. Collection Management Ensure daily collection tracking and follow-up with clients. Monitor and resolve payment bounce cases promptly. Maintain record of pending PDCs (Post Dated Cheques) and ensure timely deposit. Review and authorize PDC entry records for accuracy and compliance. Maintain a comprehensive report of outstanding payments and coordinate with Sales fortimely recovery.2. Accounts Management Check and verify all receipt entries in the accounting system. Handle TDS reconciliation and follow-up for deduction and deposit. Investigate and resolve shortages or payment discrepancies.3. Sales Coordination Review and verify offers/quotations and ORDF (Order Forms) for credit approval. Conduct KYC analysis of customers before extending credit. Evaluate credit exposure and limit based on customer profile and payment history. Manage refund of excess amounts to clients, ensuring approval and documentation. Process C2 payments as per company guidelines.4. Payments & Disbursements Check and verify vendor payments before approval. Review logistics payment details for accuracy. Verify statutory payments such as PF, GST, TDS, PT, and Duty. Review all expense vouchers and approvals before processing.5. RTGS / Cheque Processing Prepare and authorize RTGS and cheque payments for vendors and statutory bodies. Ensure all supporting documents are attached with respective payment instruments. Maintain records for online payments, cheques, and RTGS transactions for audit trail.6. Statutory & Online Payments Handle Tender EMD & Processing. Process Duty, Stamp Duty, and other government payments. Ensure timely deposit of all statutory payments:o Provident Fund (PF)o Goods & Services Tax (GST)o Tax Deducted at Source (TDS)o Profession Tax (PT)Key Skills & Competencies Strong understanding of Accounts Receivable, Collections, and Credit Control processes. Proficiency in MS Excel, ERP systems, and payment reconciliation. Good coordination skills with Sales, Logistics, and Finance departments. Eye for detail, accuracy, and compliance in financial documentation. Strong communication and follow-up skills with vendors and customers.