Credit Manager
Job Description
Credit Manager Jobs in India – Vehicle Finance Underwriting (Shriram Finance)
Job at a glance
| Employer | Shriram Finance |
|---|---|
| Location | PAN India (postings across India) |
| Salary | ₹70,000–₹1,00,000 per month |
| Experience | Minimum 2 years in credit underwriting |
| Qualification | Bachelor’s degree in finance, accounting, business administration or a related field |
| Job type | Full time |
Job overview
Shriram Finance is hiring a Credit Manager for its vehicle finance business, with postings across India. The role evaluates loan proposals, prepares credit appraisal memos (CAMs) and makes sure every sanction follows credit policy. The listed pay is ₹70,000–₹1,00,000 per month for a full-time, manager-level position.
This is a core underwriting role. You will judge both the financial strength of the borrower and the business risk behind the vehicle or equipment being financed, then work with sales and operations to move approved cases to disbursement. Candidates need at least two years of credit underwriting experience, ideally in vehicle finance.
Key responsibilities
- Evaluate credit proposals covering financial and business risk
- Underwrite and prepare CAMs for commercial vehicle, passenger vehicle, farm and construction equipment and other loan products as per policy
- Analyse financial statements and carry out ratio analysis of the borrower and business profile
- Verify documents and KYC, track post-disbursement documents (PDD) and close them as per norms
- Prepare viability reports for vehicles
- Coordinate the disbursement process for sanctioned loans based on requirement and credit history
- Ensure compliance with company policies and regulations
- Monitor loan portfolio performance and identify risks early
- Apply credit scoring models and underwriting guidelines
- Collaborate with sales and operations teams, and stay updated on industry trends
Eligibility and skills
Experience and qualification
- Minimum 2 years of experience in credit underwriting, preferably in the vehicle finance industry
- Bachelor’s degree in finance, accounting, business administration or a related field
Skills the employer wants
- Strong understanding of credit risk assessment methods and underwriting principles
- Effective verbal and written communication
- Comfort reading balance sheets, bank statements and income documents
Credit manager jobs in vehicle finance
Vehicle and equipment loans are one of the largest retail lending segments for Indian NBFCs, and every branch network depends on underwriters who can balance growth with asset quality. Experience with CAM preparation, ratio analysis and PDD tracking is directly transferable across NBFCs and banks, and it is the usual route to area credit manager and regional credit roles. You can also browse other PAN India jobs on iTroSys.
How to prepare for the interview
- Bring two or three cases you underwrote and explain why you approved, modified or declined them
- Revise key ratios such as DSCR, FOIR, leverage and working-capital cycle, and how you apply them to transport operators
- Be ready to discuss how you check vehicle viability, route income and repayment capacity
- Explain how you track PDD and what you do when documents are delayed
Frequently asked questions
What is the salary for a Credit Manager at Shriram Finance?
The listing shows ₹70,000–₹1,00,000 per month.
Where is this Credit Manager job located?
The listing is PAN India, with postings across India.
How much experience is required?
A minimum of 2 years in credit underwriting, preferably in vehicle finance.
How to apply
Log in as a candidate on iTroSys and apply through the Credit Manager listing. You can also see the other open roles on the Shriram Finance employer page.
