Area Credit Manager at Poonawalla Fincorp · Ludhiana, Dhanbad · 3 - 5 years · ₹8L - ₹10L / yr · Profitable · Posted 30 Oct 2024
Job Profile:-
- Appraising credit proposals and scrutinizing relevant documents prior to sanctioning and disbursement of pre owned car and ensuring compliance with organizational policies.
- Conducting comprehensive study of creditworthiness of individual clients by supervising data verification and field investigation activities.
- Evaluating financial statements of various clients and availing approval of quantum of credit considering all deviations as per policy.
- Interacting with the Field investigation FI and Risk Control Unit RCU agencies, visiting them regularly to resolve their queries, providing valuable feedback to enhance their report quality and ensure seamless execution of business operations.
- Conducted surprise visits to some customers to cross check the authenticity of the FI and RCU reports in turn avoiding fraud cases and minimizing the loses.
- Successfully maintained a Login to disbursement turn around time of 7days and a loan processing turn around time of 48 hours inclusive of FI and RCU process completion
- Pivotal in achieving minimal number of operational errors related to files disbursed.
- Implementing various trackers and reporting systems, preparing daily MIS and monthly branch reports for monitoring business performance.
- Successfully improved the branch profitability by constantly supervising the operations costs.
- Mentoring & motivating the CPA team force, imparting continuous on job training on various changes in the policy for accomplishing greater operational effectiveness.
- Conducting programmes to enhance efficiency in various business operations, setting up sales objectives and streamlining processes to ensure smooth functioning of sales and credit operations.
- Channel Management-Supervising management of files logged in through the alternate Channel as this is one of the most profit making product for the company.
- Implementing result oriented recovery plans, made Business development visits mandatory for high value disbursement rendering regular feedback to the collections team on portfolio performance
Shubham Vishwakarma
Full Stack Developer - Averlon
About Poonawalla Fincorp
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▌ ABOUT BXI WORLD
At BXI (Barter Exchange of India), we have reinvented the age-old concept of bartering for the modern Indian enterprise. We empower businesses to let their goods and services work for them — transforming inventory into a powerful engine for growth. Our digital marketplace connects you with 10+ categories of products and services available for exchange from over 100+ trusted brands. BXI is a business community where reputed organizations join to exchange goods and services, creating a vibrant marketplace where businesses trade without cash.
▌ ABOUT THE ROLE
We are looking for a Finance & Accounts Manager who is not just a numbers person, but a strategic finance partner who can drive analytical rigour, compliance, and financial excellence across BXI. You will own FP&A, MIS, P&L, and ensure our financial operations are audit-ready and growth-aligned — with specific exposure to fintech product workflows.
▌ KEY SKILLS
FP&A | MIS | P&L Management | Financial Accounting | Audit & Compliance | KYC & Onboarding | Fintech | Analytical Thinking
▌ WHAT YOU'LL DO
• Lead FP&A (Financial Planning & Analysis) — budgeting, forecasting, and variance analysis
• Prepare and present MIS reports — timely, accurate, and decision-ready
• Own P&L management — monitor performance, flag risks, and drive cost efficiencies
• Manage financial accounting including ledgers, reconciliations, and month-end close
• Support brand KYC and onboarding processes as relevant to fintech compliance
• Lead audit readiness and ensure compliance with all regulatory and statutory requirements
• Liaise with online product teams for finance integration in fintech workflows
• Drive analytical insights from financial data to support leadership decision-making
• Coordinate with auditors, banks, and regulatory bodies as required
▌ WHAT WE'RE LOOKING FOR
• 3+ years of experience in finance and accounts, preferably in fintech or tech-driven companies
• Strong expertise in FP&A — financial modelling, budgeting, and forecasting
• Hands-on experience in MIS preparation and P&L management
• Solid understanding of financial accounting principles and practices
• Prior exposure to online product environments in fintech is highly preferred
• Working knowledge of brand KYC, onboarding compliance, and audit processes
• High analytical acumen — ability to interpret data and communicate insights clearly
• Proficiency in accounting software and MS Excel (advanced level)
• Inter CA / MBA Finance / CMA preferred
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Full Stack Developer - Averlon