Credit Executive

About Enerjazz

Making electric vehicle batteries affordable

Tech

Patent pending battery tech developed inhouse.

The 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.