Credit Manager
8 Oct 2025
Gurugram, Haryana, India
About the job
About Us
indiagold has built a product & technology platform that enables regulated entities to launch or grow their asset backed products across geographies; without investing in operations, technology, people or taking any valuation, storage or transit risks.
Our use of deep-tech is changing how asset backed loans have been done traditionally. Some examples of our innovation are – lending against digital gold, 100% paperless/digital loan onboarding process, computer vision to test gold purity as opposed to manual testing, auto- scheduling of feet-on-street, customer self-onboarding, gold locker model to expand TAM & launch zero-touch gold loans, zero network business app & many more.
We are rapidly growing team passionate about solving massive challenges around financial well-being.
We are a rapidly growing organisation with empowered opportunities across Sales, Business Development, Partnerships, Sales Operations, Credit, Pricing, Customer Service, Business Product, Design, Product, Engineering, People & Finance across several cities. We value the right aptitude & attitude than past experience in a related role, so feel free to reach out if you believe we can be good for each other.
Job Description
1. Loan Servicing & Post loan disbursement management
-Manage day-to-day loan servicing including loan enhancement, loan renewal, Partial release of collateral, foreclosure of loans.
-Ensure accurate data entry, validation, and documentation (KYC, bank details etc.) for all loan accounts.
-Monitor repayment and reconciliation of accounts.
-Ensure timely processing of customer requests & customer servicing team request such as loan rebook, renewal and loan statement.
2. Process & Compliance
-Ensure adherence to company policies, RBI guidelines, and internal audit standards.
-Implement and monitor SOPs for all servicing activities.
-Identify process gaps and design corrective actions to reduce errors and TAT
3. Customer Service & Escalation Handling
-Oversee resolution of customer queries related to loan accounts.
-Ensure timely response to escalations from city teams, CS teams & partner banks.
4. Cross-functional Coordination
-Coordinate with other teams for seamless loan lifecycle management.
-Support tech integrations for automation of servicing processes.
Requirements
-Strong knowledge of loan servicing (secured/unsecured) and workflows.
-Understanding of NBFC compliance norms, KYC, and data management.
-Analytical and process improvement
-Proficiency in MS Excel, loan management systems.
-Problem-solving skills.
