**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.
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## **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.
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## **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.
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## **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.
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## **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.
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## **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%
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## **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
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## **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.
Visa sponsorship is offered for this role.
