Credit Manager

CashFlo is a one-of-a-kind AP automation and supply chain financing platform. Made in India. Made for India. Our mission? To unleash the untapped financial potential of millions of Indian businesses. Our AP and Payments automation suite is transforming the way large businesses across the country handle their payments. Founded by illustrious alumni from BCG, ISB, and IIM, CashFlo is fortified by the trust and backing of prominent investors such as Elevation Capital and General Catalyst. Recognized by Nasscom as the Best Supply Chain Finance solution from 2019 to 2021, CashFlo's platform creates a harmonious ecosystem for buyers, suppliers, and financiers. Our integrated AP & financing platform has become a key driver of growth for over 100 large enterprises and 200,000 mid-market and SME companies across more than ten sectors. We proudly serve a clientele that includes renowned brands like Mosaic Wellness, The Souled Store, Durian, Cona Electricals, as well as industry giants like ITC, IFB, Crompton, Zydus Healthcare, Lupin, Murugappa Group, among others. We combine in-depth financial and technological insights to deliver exceptional results. We take immense pride in our work and firmly believe in the exponential effect of a job well done, every day. We are on the lookout for individuals who share this ethos and are prepared to help us take CashFlo to unparalleled heights. 

We are seeking an experienced and strategic-minded Credit Operations Manager to lead our dynamic team of Credit Operations Analysts. The Credit Operations Manager will play a pivotal role in overseeing all aspects of credit operations, including underwriting, loan processing, and portfolio management. This position requires a strong leader with good managerial skills, industry knowledge, and a passion for driving operational excellence. As part of the key Responsibilities: 

1. Lead and manage the Credit Operations team, including Credit Operations Analysts, to ensure efficient and effective processing of loan applications and portfolio management. Develop and implement credit underwriting policies, procedures, and guidelines in accordance with regulatory requirements and industry best practices. 

2. Oversee the review and analysis of customer loan applications, credit reports, financial statements, and other relevant documentation to assess creditworthiness and mitigate risk. 

3. Collaborate with cross-functional teams, including Sales, Risk Management, and Collections, to streamline processes, enhance operational efficiency, and achieve business objectives. 

4. Monitor loan portfolio performance, delinquencies, and credit quality indicators to identify trends, risks, and opportunities for optimization. 

5. Provide leadership and guidance to Credit Operations Analysts, including training, mentoring, and performance management, to foster professional growth and development.

6. Act as a key point of contact for lender partners, regulatory agencies, and internal stakeholders regarding credit operations and compliance matters. Implement quality control measures and performance metrics to ensure accuracy, consistency, and adherence to service level agreements (SLAs) and key performance indicators (KPIs). 

7. Stay informed about industry trends, regulatory changes, and emerging technologies to proactively identify opportunities for process improvement and innovation. 

● Proficiency in technology tools and platforms used in credit operations, including LMS (loan management systems), CRM (Customer relationship management) software, and Microsoft Office Suite. 

● Customer Service: Customer-centric approach with the ability to provide exceptional customer service and support throughout the loan lifecycle, including addressing customer inquiries and concerns. Credit Operations Manager 

● Teamwork and Collaboration: Ability to collaborate effectively with cross-functional teams, including Credit Managers, Sales, Operations, and Collections, to ensure seamless loan processing and customer satisfaction. 

● Uniquely Positioned for Success: CashFlo sits at the unique intersection of Payments, Lending, and SaaS - three of the fastest-growing and most lucrative spaces globally and in India. As a part of our team, you will be a key player in an industry-defining company.

● An Opportunity to Create Wealth: At CashFlo, we understand that our success is deeply linked with the success of our employees. That's why we offer the potential to create exponential wealth through equity in our rapidly growing early-stage company. You will not only contribute to our growth story but also share in the rewards. 

● A Collaborative and Driven Team: We pride ourselves on fostering a culture that encourages kindness, collaboration, and a shared commitment to quality. Our team members are always there to help each other, and we believe in lifting each other. Your growth is our growth, and we succeed as a team. 

● Direct Impact on Company Success: At CashFlo, every role is crucial. Your work will have a real, tangible impact on our success. You'll see the results of your hard work in real-time. 

● Fast-Track Your Career: We invest in our employees' professional growth through comprehensive training programs, mentoring opportunities, and clear growth paths. Whether you aspire to grow as an individual contributor or on a management track, we provide the resources and support you need to accelerate your career. 

● Competitive Compensation and Benefits: We offer competitive salaries, comprehensive benefits, and recognition programs. We value the work you do, and our compensation package reflects our commitment to attracting and retaining the best talent. 

● Unwavering Commitment to Excellence: We are seeking individuals ready to dive into challenging work, individuals who are excited about going above and beyond to drive their growth and the company's. If you are motivated by ambitious goals and are ready to make a significant impact, CashFlo is the place for you.