86 Cibil Jobs

Role & responsibilities : Review the Customer's Profile for Loan credit Worthiness. Visit in person for Verification. Analyze the credit worthiness and past track records of loans and repayments CIBIL Verification Maintain a detailed track report of clients Loan processing Attention to detail Preferred candidate profile 3-5 Yrs in Affordable housing segment HL/ LAP/ Mortgage Background (must) Ticket size of upto 1 Cr handling experience NBFC background only

Role & responsibilities Responsible for Credit underwriting, credit Appraisals of Consumer Durable/ Personal Loans. Manage credit quality and control delinquencies. Understand credit policy and processes as well as credit environment in the city / branch. Ensuring 100% screening of new applications. Responsible for checking online profiling of customer in fastest mode. Managing Post Disbursement Verification. Investigation on pre acquisition fraud's. Managing Weekly and Monthly MIS and Trackers. Monitor and enforce approval rate and TAT as per prescribed standards. Sharing of best practices and trend for respective locations. Preferred candidate profile Candidates with 2+ years of experience into Credit verification process. Must know Telugu/ Malayalam or Kannada. Should be flexible working in day shifts with compensatory week off Good communication and pleasing personality Interested candidates kindly share updated resume to irene.monica@hdbfs.com Thanks and Regards, Monica Executive - TA HDB Financial Services.

Role & responsibilities Responsible for Credit underwriting, credit Appraisals of Consumer Durable/ Personal Loans. Manage credit quality and control delinquencies. Understand credit policy and processes as well as credit environment in the city / branch. Ensuring 100% screening of new applications. Responsible for checking online profiling of customer in fastest mode. Managing Post Disbursement Verification. Investigation on pre acquisition fraud's. Managing Weekly and Monthly MIS and Trackers. Monitor and enforce approval rate and TAT as per prescribed standards. Sharing of best practices and trend for respective locations. Preferred candidate profile Looking for Freshers graduates of 2024/2025, interested to join the credit verification team. Must know Telugu/ Malayalam or Kannada. Should be flexible working in day shifts with compensatory week off Good communication and pleasing personality

Inbound customer service related to credit cards *Qualification - HSC OR GRADUATE WITH 6 months or more BPO inbound voice customer service experience Plz enquire about the CIBIL score of candidate. Check if candidate has any loan defaults in the past Required Candidate profile Tentative time window - 7:30 A.M. TO 10.30 P.M. (any 9 hour shift with a 1 hour break in this window) 2 Rotational week off *Salary- 22.4K in hand Transport - Centralized Pick up and drop.

Inbound customer service related to credit cards *Qualification - HSC OR GRADUATE WITH 6 months or more BPO inbound voice customer service experience Plz enquire about the CIBIL score of candidate. Check if candidate has any loan defaults in the past Required Candidate profile Tentative time window - 7:30 A.M. TO 10.30 P.M. (any 9 hour shift with a 1 hour break in this window) 2 Rotational week off *Salary- 22.4K in hand Transport - Centralized Pick up and drop.

Inbound customer service related to credit cards *Qualification - HSC OR GRADUATE WITH 6 months or more BPO inbound voice customer service experience Plz enquire about the CIBIL score of candidate. Check if candidate has any loan defaults in the past Required Candidate profile Tentative time window - 7:30 A.M. TO 10.30 P.M. (any 9 hour shift with a 1 hour break in this window) 2 Rotational week off *Salary- 22.4K in hand Transport - Centralized Pick up and drop.

Role overview Own end-to-end grievance redressal for Refyne across all channels. Lead credit-bureau dispute resolution (RTPL & RFL) and act as the single point of contact for fraud complaints involving Refynes name, including timely escalation to law-enforcement/cybercrime authorities. Location: Bengaluru Function: Customer Experience & Compliance Reporting to: Head CX Type: Full-time Key responsibilities Customer grievances (primary owner) Run day-to-day grievance desk on email/phone and in fact all possible channels, acknowledge within policy TATs, sort and prioritise severity and urgency, and drive first-time resolution with product, ops, collections, risk, and partner teams. Track and resolve RBI CMS/Ombudsman-related cases, manage evidence, root-cause, and closure notes. Maintain a Board-approved Grievance Redressal Policy summary on website/app and publish the Grievance Officers contact details as required for NBFCs. Credit-bureau disputes & escalations Handle all bureau dispute issues by handling the escalation with customers and liaising with internal teams to resolve the complaint reported. Regulatory & audit readiness Ensure complete records for internal audit, statutory audit, and RBI inspections (complaint logs, TATs, decisions, communications, evidence). Share periodic MIS to leadership and surface themes and preventive actions (product changes, controls, new SOPs, etc) Fraud & cyber-crime handling (Refyne brand misuse) Regular reporting of phishing/impersonation/loan-app clones/UPI frauds using Refynes name to law enforcement authorities. Report to National Cyber Crime Reporting Portal and helpline 1930, coordinate with local cyber police/CID and legal for FIR/zero-FIR where applicable. Maintain records and logs of all such activity. Work with InfoSec to run awareness and hardening (KYC abuse, mule-accounts, social engineering patterns). Process excellence & analytics Define and track grievance SLAs (acknowledgement, resolution), FCR, reopen rate, bureau correction TAT, repeat root causes, and Ombudsman incidence. Build dashboards, run monthly RCA and CAPA, drive policy/UX changes to reduce inflow. Required experience & skills 59 years in grievance redressal, customer advocacy & credit-bureau ops in NBFC/fintech/bank. Strong working knowledge of RBI Integrated Ombudsman Scheme (RB-IOS), CMS portal workflows, and complaint documentation. Excellent stakeholder management and strong communication skills, both oral and written CRM/Ticketing (Freshdesk/Zendesk/Salesforce), RBI CMS portal, NCRP (cybercrime.gov.in), bureau portals/APIs (CIBIL/Experian/Equifax/CRIF). Show more Show less

Role & responsibilities : Should be well conversant with IRAC, Exposure, Large exposure norms, Resolution Plan Implementation, Sensitive sector monitoring, etc. Exposure in preparation of DSB, CRILC, PSL, MSME, SLBC, Defaulter, NPA, Bureau reporting (CIBIL), NeSL submission, Quarterly disclosure preparation, Risk Based Supervision submission, Potential NPA tracking, Exception reports, SCOD tracking, etc. Facilitate Half yearly review of all process notes and QC checklists to align with extant circulars. Excellent oral and written communication. Excellent project management skills to manage multiple automation projects with circular implementations. To be able to provide assistance in evaluation and Review of BRDs as well as facilitating UATs for automation projects. Ability to manage work with minimum supervision. Ability to drive all process improvement initiatives. Ability to work under pressure and manage stakeholders expectations. Exposure towards handling Regulatory/Statutory/Concurrent audits and track open audit points till closure. Preferred candidate profile : Experience in KYC Regulatory Reporting / CIC Regulatory Reporting / Internal Regulatory Reporting. Should be well conversant with IRAC, Exposure, Large exposure norms, Resolution Plan Implementation, Restructure monitoring, Sensitive sector monitoring, etc. Very strong presentation and communication skills Should have worked in Banking/BFSI domain. Possess strong understanding of RBI circulars and have handled regulatory reporting team for a mid-sized/large Bank.

Key Responsibilities: Verify loan and KYC documents accurately. Analyze CIBIL and assess customer credit eligibility. Prepare CAMs for secured and unsecured loans. Ensure timely completion of backend operational tasks. Requirements: Experience in Banking/NBFC operations. Knowledge of financials (B/S, P&L), loan documentation, and KYC. 25 years of relevant experience.

As a Credit Officer at MAS FINANCIAL SERVICES LTD, you will be responsible for evaluating credit, credit analysis, and credit processing for various products such as Personal Loans, Loan Against Property, Two Wheeler Loans, Commercial Vehicle Loans, and Used Car Loans. Your primary focus will be on Credit Management, Credit Appraisal, and maintaining Management Information Systems (MIS). We are looking for a candidate who has a minimum of 3-5 years of experience in the financial industry, specifically in the Used Car and Used Commercial Vehicle Credit segment. Graduation is mandatory for this role, and preference will be given to local candidates in Bhandara. Your key responsibilities will include assessing the creditworthiness of potential customers, preparing Credit Approval Memos, conducting personnel discussions and customer visits, and critically analyzing customer documents for risk management purposes. Strong Excel skills are required to maintain detailed records of company loans. The ideal candidate will have a background in Credit and Operations with team management abilities. Knowledge of other loan products such as Auto Finance, Two Wheeler Finance, Property Mortgage, and Personal Loans will be an added advantage. If you meet the above requirements and are interested in this opportunity, please share your updated CV with current CTC and expected CTC with our Regional HR, Nikhil Bhiwapurkar, at hr_nagpur@mas.co.in or contact him at +91-7041791722.,

Role & responsibilities Responsible for Credit underwriting, credit Appraisals of Consumer Durable/ Personal Loans. Manage credit quality and control delinquencies. Understand credit policy and processes as well as credit environment in the city / branch. Ensuring 100% screening of new applications. Responsible for checking online profiling of customer in fastest mode. Managing Post Disbursement Verification. Investigation on pre acquisition fraud's. Managing Weekly and Monthly MIS and Trackers. Monitor and enforce approval rate and TAT as per prescribed standards. Co-ordination with Business team for resolving queries. Sharing of best practices and trend for respective locations. Managing manpower requirements on timely basis. Preferred candidate profile Looking for Freshers graduates of 2024/2025, interested to join the credit verification team. Must know Telugu/ Malayalam or Kannada. Should be flexible working in day shifts with compensatory week off Good communication and pleasing personality. Interested candidates can share your updated resume to irene.monica@hdbfs.com

Role & responsibilities : Previous working Knowledge of FCU and Hunter tool would be added advantage. Identifying application inconsistencies and detecting suspicious applications across multiple channels Review applications referred due to rules defined in Hunter to decision applications across multiple channels. Knowledge and understanding of Bureau and Trans Union CIBIL report Review the cases with regards to KYC or any document attached and identify fraud / risk if any and to highlight Review Income documents & identify in case of fudged documents This would require Outbound calling to detect Fraud To detect fraudulent activity and take appropriate action to reduce financial loss Actively work with internal and external stake holders to share trends on the recent fraud practices and share recent trends with Management. Job specific skills: Filter suspicious applications basis rules defined in Tool (Hunter) Identify Inconsistencies at the application level for applicants Knowledge of working on HUNTER mandatory Knowledge and understanding of Bureau and Trans Union CIBIL report Ability to resolve complex problems with minimal guidance Excellent writing, interpersonal, and communication skills Ability to excel in a fast-paced environment with multiple priorities. Proficient in Microsoft Excel, PowerPoint, and Word Ability to communicate with internal and external management in all levels and in all aspects of acquiring. Knowledge of KYC understanding and identification would be an added advantage Should be well-versed with RBI guidelines Should be having good knowledge on market fraud cases and should be able to detect fraudulent documents

Role & responsibilities: The person will be responsible for mentioned specific skills: Underwriting of loans/credit cards and ensuring good portfolios in assigned area by identifying potential credit and operating risks. Ensure adherences to credit processes and policies. Good knowledge of credit bureau checks and KYC norms. Understanding of inherent credit, collateral, operational & fraud risk. Should have full knowledge of product and policy and constantly update themself with all relevant changes which can impact the customer repayment capacity and performance ability. Adhering to the company's policies and ensuring compliance of the same. Keep close watch on turnaround time and ensure speed with accuracy. Compliance & Risk responsibilities, awareness of post disbursal documentation (PDD) and Audit query resolution. Should be able to understand various business profiles of self-employed &non-professional. Applicants should possess the following attributes: Excellent attention to detail. Good communication skills & command over English. Computer skills viz MS Office. Good Interpersonal skills. Prior experience in credit risk profiles preferable. Prior experience with Unsecured Lending is preferable.

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline 1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers.2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework3. Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion.4. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc.5. Arrange for Credit programs and training within company''s credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio.6. Authorize deviations raised and documented by underwriters in compliance with credit policy.7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.8. Co-ordinate with the recoveries team and generate business insights.9. Manage end to end credit approval for the designated zone.10. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.11. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied.12. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process.13. Develop cross functional collaboration to smooth business and ensure quick TAT14. Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

Job Description Nodal Officer Position Title: Nodal Officer Department: Compliance / Legal & Regulatory Affairs Reports To: Head of Compliance / CEO / Board of Directors Key Responsibilities Regulatory Liaison: 1. - Act as the Single Point of Contact (SPOC) between the NBFC and regulators (RBI, CICs, Ombudsman, etc.). 2. - Handle all official communications and queries from the RBI regarding inspections, audits, and compliance matters. Grievance Redressal: 3. - Receive, record, and address customer complaints in line with RBI Fair Practices Code. 4. - Ensure timely resolution of complaints within regulatory timelines (e.g., 30 days). 5. - Prepare periodic reports on grievance status for submission to regulators and management. Compliance Monitoring: 6. - Ensure company policies and practices are in full compliance with RBI guidelines for NBFCs, including KYC/AML, CIC reporting, and digital lending norms. 7. - Serve as the official liaison with Credit Information Companies (CICs) for credit data reporting. 8. - Oversee accurate and timely submission of regulatory returns (DNBS filings, CIR submissions, statutory reports). ¢ Audit & Inspections: 9. - Facilitate internal and external audits, as well as RBI inspections. 10. - Provide required documentation, explanations, and data to auditors and regulators. ¢ Policy Development & Training: 11. - Assist in drafting and updating compliance-related policies. 12. - Train staff (customer service, operations, collections) on grievance handling and compliance protocols. ¢ Reporting: 13. - Prepare reports for the Board/Audit Committee on compliance status, customer complaints, and regulatory interactions. 14. - Maintain comprehensive documentation of all communications with RBI and other regulators. Qualifications ¢ Education: 15. - Bachelors Degree in Law, Finance, Business Administration, or a related field. 16. - Preferred: Masters Degree (MBA / LLM / Chartered Accountant / Company Secretary). ¢ Experience: 17. - Minimum 57 years of experience in compliance, legal, audit, or regulatory affairs, preferably in NBFCs, banks, or fintech companies. 18. - Prior experience in direct liaison with regulators (RBI, SEBI, IRDAI, etc.) is highly desirable. ¢ Skills & Knowledge: 19. - Strong knowledge of RBI NBFC Master Directions, Fair Practices Code, KYC/AML regulations, and Digital Lending Guidelines. 20. - Excellent communication skills, both written and verbal, in English and local language. 21. - Strong problem-solving and decision-making abilities. 22. - Ability to coordinate across departments (Finance, Legal, Operations, IT). ¢ Other Requirements: 23. - High integrity, attention to detail, and ability to maintain confidentiality. 24. - Must be available as an official public contact point (name and contact details published on the NBFCs website as per RBI requirement). 25. - Willingness to attend meetings with regulators (RBI, CICs, Ombudsman) as needed.

Hiring For Onboarding KYC Process Any Domain -5.00 LPA Gurugram Grad/ UG's/BE/Btech - Min. 1 Yr. Onboarding KYC Experience in Any Domain Must. 24/7 Shift 5 Days Cabs Call - Dipankar @ 9650094552 Email CV@ jobsatsmartsource@gmail.com

Hiring For Onboarding KYC Process Any Domain -5.00 LPA Gurugram Grad/ UG's/BE/Btech - Min. 1 Yr. Onboarding KYC Experience in Any Domain Must. 24/7 Shift 5 Days Cabs Call - Dipankar @ 9650094552 Email CV@ jobsatsmartsource@gmail.com

Job Description Core Responsibilities: Own the entire credit underwriting process for his/her zone, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the credit-worthiness of potential customers. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. Arrange for Credit programs and training within company's credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio. Authorize deviations raised and documented by underwriters in compliance with credit policy. Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Manage end to end credit approval for the designated zone. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Develop cross functional collaboration to smooth business and ensure quick TAT Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems

Were Hiring Credit Processing Associate (Home Loan & LAP) Location: Gurgaon, Sec-44 Experience: 1 -2 Years Products: Home Loan & Loan Against Property (LAP) At Ambak Fintech Pvt. Ltd. , we are on a mission to redefine home financing in India With leaders from Axis Bank, Uber, Cars24, PolicyBazaar, Freecharge & more, were building cutting-edge solutions that make home loans simpler, faster & more transparent . Your Role: Process & verify loan applications and assess creditworthiness Coordinate with sales, underwriters & customers for smooth approvals Ensure compliance, accurate records & audit readiness Drive seamless loan journeys end-to-end Who Can Apply: 13 years of experience in credit operations (Home Loan / LAP) Fintech, Bank, or NBFC Strong knowledge of documentation, compliance & assessment Detail-oriented, organized & proficient in MS Office/loan tools Bachelors degree in Finance, Commerce, or related field What Youll Get: Be a founding enabler in Indias fintech revolution Work in a VC-backed, high-growth fintech Collaborate with visionary leaders & disrupt traditional models Build strategies from the ground up

About the job Were looking for a detail-oriented Credit Processing Associate to support end-to-end home loan processingfrom application to approval Youll ensure accuracy, compliance, and timely FTR logins while coordinating with sales and credit teams to drive seamless loan approvals. Major Job responsibilities would be as under: Process and verify home loan applications, assess creditworthiness, and ensure documentation is complete and compliant Coordinate with internal teams and underwriters to drive timely approvals and resolve application or credit-related issues Communicate with customers for clarifications, updates, and missing documents, ensuring a smooth loan journey Maintain accurate loan records, support audits, and generate reports to track processing performance Who is an ideal fit: 1-3 years of experience in credit operations, preferably in home loans within fintech, banks, or NBFCs Strong knowledge of loan documentation, credit assessment, and compliance Detail-oriented, well-organized, and proficient in MS Office and loan management tools Effective communicator with the ability to manage multiple files in a fast-paced environment Bachelors degree in Finance, Commerce, or related field Share your updated CV @9220578867 or @sonu.rawat@amabk.com

Hiring For Onboarding KYC Process Any Domain -5.00 LPA Gurugram Grad/ UG's/BE/Btech - Min. 1 Yr. Onboarding KYC Experience in Any Domain Must. 24/7 Shift 5 Days Cabs Call - Dipankar @ 9650094552 Email CV@ jobsatsmartsource@gmail.com

Roles and Responsibilities Manage a team of sales representatives to achieve targets and improve performance. Conduct regular training sessions to enhance product knowledge, soft skills, and customer handling abilities. Monitor team performance, identify areas for improvement, and implement strategies to reduce attrition and shrinkage. Analyze data to track key metrics such as sales volume, revenue growth, and customer satisfaction. CONTACT - HR KHUSHI [ 6306076355 ] MAIL - vermakhushi803@gmail.com

Role & responsibilities : Check complete files (KYC, Income & Financial Documents, Bank Statements) CIBIL and raise queries if there are some documents missing which are required as per policy for Loan appraisal. Handling complete login process. Personal Discussions (PD) with Borrowers and Recommendation for Loan Sanction. Downloading and analyzing Credit Bureau History; analyses financial and bank statements of the prospective. Analysis the File of SENP, SEP, PARTNERSHIP and Company Files (Pvt. Ltd and Public Limited). Preparation of Monthly MIS. Responsible for reprocess of reject cases. MIS coordinator between Branch credit and Ho Credit. Preferred candidate profile : Graduate from any recognized university (no preference for stream) 2+ years of Credit Underwriting experience in AL, PL, BL, LAP/HL etc. Decent understanding of various credit parameters like Cibil checking, FOIR, Banking understanding along with calculation of Average Quarterly balance, TVR/PD with customer and preparing relevant Credit Note. Basic knowledge of working of MS Office, Google Sheets etc.

About Ambak Ambak is revolutionizing home finance with cutting-edge distribution solutions that enhance the experience for customers, financiers, and intermediaries by partnering with real estate developers, providing faster loan approvals through our extensive lender network, which boosts sales and improves customer experience Founded by industry leaders from Axis Bank, Uber, Cars24, PolicyBazaar, Freecharge, and more, we are on a mission to make home financing in India simpler, faster, and more transparent With operations expanding across India and we are now hiring a Credit Analyst to fuel our next phase of growth About the job Were looking for a detail-oriented Credit Processing Associate to support end-to-end home loan processingfrom application to approval Youll ensure accuracy, compliance, and timely FTR logins while coordinating with sales and credit teams to drive seamless loan approvals. Major Job responsibilities would be as under: Process and verify home loan applications, assess creditworthiness, and ensure documentation is complete and compliant Coordinate with internal teams and underwriters to drive timely approvals and resolve application or credit-related issues Communicate with customers for clarifications, updates, and missing documents, ensuring a smooth loan journey Maintain accurate loan records, support audits, and generate reports to track processing performance Who is an ideal fit: 13 years of experience in credit operations, preferably in home loans within fintech, banks, or NBFCs Strong knowledge of loan documentation, credit assessment, and compliance Detail-oriented, well-organized, and proficient in MS Office and loan management tools Effective communicator with the ability to manage multiple files in a fast-paced environment Bachelors degree in Finance, Commerce, or related field Share your updated CV @9220578867 or @sonu.rawat@amabk.com

Role & responsibilities Handling Credit operation from Login to Disbursement. Credit decision making for SF and forwarding proposals. Handling Credit and Operational issues. Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Personal loans and maintaining TAT. Taking care of audit queries and maintaining good audit score. Preparing MIS, Collection reports on daily basis and Weekly review reports. Assisting customers with queries, requests & complaints. Preferred candidate profile Graduate either fresher or candidates with 1+ year experience in Credit Underwriting. Must know Telugu or Malayalam language. Knowledge on secured and unsecured loans. Interested candidates kindly share updated resumes to 7397298585