Job Description
About Us
We at MIFL strive to be the most credible, trustworthy and professional finance Institution in Sri Lanka and in turn enrich the personal and professional lives of our employees. As a subsidiary of Mahindra and Mahindra Financial Services Limited, India and part of Ideal Group in Sri Lanka, we have been rated AA- (LKA) by Fitch Ratings.
As we are currently expanding our presence in the country, we invite dynamic and ambitious talent to join us for a rewarding career with endless opportunities for career development and personal growth.
ASSISTANT MANAGER / MANAGER - CREDIT
Job Responsibilities
- Conduct evaluations of credit proposals.
- Conduct detailed financial analysis, risk assessments, and customer creditworthiness evaluations.
- Review loan documentation and ensure compliance with internal credit policies and regulatory guidelines.
- Monitor and manage portfolio quality, delinquency trends, and risk exposures.
- Coordinate with sales and operations teams to facilitate efficient loan processing and disbursement.
- Recommend credit policy enhancements and process improvements to strengthen risk management.
- Prepare periodic credit reports, portfolio analysis, and management information reports (MIS).
- Support recovery and collections teams in managing high-risk or overdue accounts.
Person Specifications
- Bachelor’s degree in finance, Accounting, Business Administration, Economics, or a related field.
- Professional qualifications in Accounting such as CIMA or ACCA will be an added advantage.
- Minimum 4 - 8 years of experience in credit evaluation, risk management, or lending operations within the financial services industry.
- Strong knowledge of credit appraisal techniques, financial statement analysis, and lending regulations.
- Experience in leasing, SME financing, vehicle financing, or consumer finance will be advantageous.
- Strong communication and stakeholder management abilities.
- Proficiency in Microsoft Office applications and credit/risk management systems.
To apply please send your CV with details of two non-related referees to careers@mahindraifl.lk mentioning the position on the subject line.