Credit Officer

💰 ₹18,000 - ₹28,800 (Est.) 📍 New Delhi

Job Description

Lenskart.com


Category Lead
Lenskart.com • New Delhi, Delhi • via LinkedIn
19 hours ago
Full–time
No Degree Mentioned
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Job description
Job Title: Category Lead, Lenskart

Location: Okhla, Delhi, India

About Lenskart

Twelve years ago, Lenskart started with a simple mission—to eliminate preventable blindness. What began as a small startup has now become Asia’s largest eyewear company, having served over 40 million customers globally. With 10,000+ Lenskartians, 2000+ omnichannel stores across 175+ cities in India, Singapore, Dubai...
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Mahashakti Financiers Ltd.


Credit Officer
Mahashakti Financiers Ltd. • Delhi • via Indeed
22 hours ago
₹15K–₹17K a month
Full–time
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Job description
Job description: Credit Officer

Job Overview:

The Credit Officer is responsible for evaluating online loan applications, assessing risk, ensuring compliance with regulatory guidelines, and managing collections to minimize bad debts. The role requires strong communication & analytical skills, decision-making abilities, and a customer-focused approach to ensure timely recoveries.

Key Responsibilities: Loan Processing & Credit Assessment:
• Evaluate online loan applications, verify income/employment, and assess creditworthiness using financial statements and CIBIL reports.
• Ensure compliance with company credit policies, RBI/NBFC guidelines, and regulatory norms.
• Approve or reject loan applications based on risk assessment.

Documentation pre–Loan Disbursement:
• Verify KYC, salary slips, bank statements, and other loan agreements before disbursement.
• Assess borrowers' nature and intentions for loan repayment based on online chats/telephonic conversations.
• Educate borrowers on loan terms, repayment schedules, and penalties.
• Coordinate with finance teams for timely loan disbursements.
• Identify fraud, risks and report suspicious applications.

Collections & Recovery:
• Monitor active loans and track overdue accounts.
• Contact borrowers via calls, emails, and messages to ensure timely payments.
• Negotiate repayment plans and settlements to optimize recovery.
• Escalate non-recoverable loans to recovery teams if necessary.

Customer Relationship Management:
• Maintain strong customer relationships to improve repayment rates.
• Address borrower queries and educate them on responsible borrowing.

Qualifications & Skills:
• Education: Bachelor’s degree in Finance, Commerce, Accounting, or a related field.
• Experience: Preference for experience in credit assessment & collections (NBFC/ loans).
• Technical Skills: Working knowledge in MS Excel, Credit bureau (CIBIL) reports and Bank transactions analysis.
• Soft Skills: Good analytical, negotiation, and communication skills.
• Key Competencies: Quick decision-making, problem-solving, and adaptability in dynamic financial environments.
• Who can apply: Experienced or fresher Male / Female (preferred) candidates can apply for this vacancy.

Work Conditions:
• Fixed working hours (06 days a week).

Job Types: Full-time, Permanent

Benefits:
• Paid sick time
• Provident Fund

Education:
• Bachelor's (Required)

Location:
• Dwarka, Delhi, Delhi (Required)

Job Types: Permanent, Fresher

Pay: ₹15,000.00 - ₹17,000.00 per month

Work Location: In person

💡 Quick Summary

Seeking a career-building opportunity? The Credit Officer position is now open for candidates interested in the Event Management Jobs sector. This role in New Delhi offers a professional environment and growth potential.

Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Event Management Jobs is a plus.

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Job Details

Company Name: Mahashakti Financiers Ltd

Frequently Asked Questions

Click the Apply Now button on this page, login or register for free on CallCenterJob.co.in, fill in your name, mobile number, city, and experience, then submit your application. The recruiter will contact you directly.
The expected salary for Credit Officer in New Delhi is ₹18,000 - ₹28,800 (Est.) per month. Actual compensation may vary based on experience and negotiation.
No, Credit Officer is an on-site position based in New Delhi. Candidates must be able to commute or relocate to this location.
Basic communication skills, a proactive attitude, and the ability to work in a team are required for Credit Officer. Previous experience in Event Management Jobs is a plus. Freshers may also apply depending on the employer's requirements.
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