Credit Executive
Credit Executive at Enerjazz — Noida, UP, IN
- Company: Enerjazz
- Location: Noida, UP, IN
- Employment type: FULL_TIME
- Salary: USD 240000–600000 / year
- Posted: 2026-07-17
About this role
Role: Credit Executive
Function: Credit, Risk & Collections
**Objective:_**Ensure strict and disciplined credit evaluation, onboarding, verification, and repayment monitoring of e-rickshaw drivers purchasing Enerjazz lithium-ion batteries. Build a robust credit system that balances growth with portfolio quality.
Role Objective
Own end-to-end driver credit evaluation and repayment discipline across regions. This role ensures Enerjazz installs batteries only with safe, validated customers and maintains low default rates through strong follow-ups, documentation, and field verification workflows.
Key Responsibilities
1. Credit Evaluation & Customer Onboarding
Conduct phone-based and field-based verification (directly or via outsourced partner).
Confirm KYC, address, vehicle details, route, daily earnings, and references.
Identify fraud signals, mismatched information, or risky profiles.
Score and categorize customers (A/B/C) using Enerjazz’s internal criteria.
Approve or reject applications with clear documentation.
2. Documentation & Compliance
Ensure complete KYC, rental agreement, RC, permit, Aadhaar, photos, and signatures before approval.
Maintain accurate, audit-ready files in Google Drive/CRM.
Cross-check duplicate customers, mismatched RCs, or wrong guarantor references.
3. EMI Tracking & Collections Support
Track daily/weekly EMI status using CRM + Google Sheets.
Proactively call customers before due dates and escalate overdue cases.
Coordinate with field collection agents when needed (for POS visits or reminders).
Maintain bucket-wise recovery performance.
4. Coordination With Sales & Ops
Work closely with the Sales team to validate customers being onboarded.
Ensure no installation happens without credit clearance.
Coordinate with Logistics for installation timing based on approval status.
5. Reporting & Analytics
Prepare weekly dashboards covering:
Approval rate
Rejection reasons
Pending cases
Collection efficiency
7/14/30 day overdue buckets
Recommend improvements to credit policy based on field learnings.
Must-Have Skills
Strong Hindi communication (driver-level + professional-level).
High discipline with documentation and Google Sheets.
Ability to detect fraud patterns and inconsistencies.
Comfort in fieldwork (spot checks, dealer visits, customer house visits).
Calm, firm, and assertive mindset for credit + collections.
Bonus Skills
Experience in NBFC, e-rickshaw financing, microfinance, two-wheeler loans, battery financing, or collections.
Ability to speak basic English for internal coordination.
Knowledge of rural/urban last-mile transport ecosystem.
KPIs You Will Own
Credit Approval Accuracy: < 5% cases turning into NPA
EMI Collection Efficiency: > 92%
Documentation Accuracy: > 98%
Turnaround Time: Credit decision within 4 hrs
Fraud/Bad Case Leakage: < 1%
Growth Path
Senior Credit Analyst (12–18 months)
Credit & Collections Lead (24–36 months)
Opportunity to build the credit team as Enerjazz scales pan-India
Why Join Enerjazz?
Shape the credit engine of one of India’s fastest-growing EV battery startups.
Work directly with the founder on mission-critical decisions.
Be part of an ambitious team solving mobility and financing challenges for thousands of drivers.
Competitive salary + performance incentives + future ESOP pool.