Credit Executive

**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.