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.