2193 Credit Analysis Jobs - Page 19

We are looking for a highly motivated and experienced Branch Receivable Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-4 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee the daily operations of the branch's receivables, ensuring timely payments and minimizing bad debts. Develop and implement strategies to improve collection efficiency and reduce delinquencies. Collaborate with internal teams to resolve customer complaints and disputes related to loan recoveries. Analyze financial data to identify trends and areas for improvement in the bank's receivables portfolio. Maintain accurate records and reports on receivables, including aging analysis and credit risk assessments. Ensure compliance with regulatory requirements and internal policies related to loan recovery practices. Job Requirements Strong knowledge of banking regulations and laws governing loan recoveries and collections. Excellent communication and interpersonal skills to build strong relationships with customers and internal stakeholders. Ability to analyze financial data and provide insights to inform business decisions. Proficiency in MS Office and other software applications relevant to accounting and finance. Experience working in a fast-paced environment with multiple priorities and deadlines. Strong problem-solving skills to resolve complex issues related to loan recoveries and collections. Location - Arakonam,Chennai,Ponneri,Vellore

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 0-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in credit management software and systems. Strong attention to detail and organizational skills.

About The Role Grade- M4Role- Location Credit ManagerAbout The Role :Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc. Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business. To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit economic developments. Manage and ensure timely renewal of accounts and enhancement of portfolio. To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams. Job Requirements Chartered Accountant with experience of more than 1 years Good analytical skills Non Chartered Accountant with relevant experience of Credit function of at least 2-3 years Personality Traits: Strong financial Analysis Skills Analytical skills Strong communication (Written and Oral)

We are seeking a motivated and results-driven Banking Officer - CASA Sales to join our team in India. The ideal candidate will have a strong background in sales within the banking sector and a passion for delivering exceptional customer service. This role involves acquiring new customers for CASA products, maintaining relationships with existing clients, and achieving sales targets. Responsibilities Acquire new customers for CASA (Current Account and Savings Account) products through direct selling. Maintain and deepen relationships with existing customers to enhance customer satisfaction and retention. Conduct market research and competitor analysis to identify opportunities for growth in CASA sales. Achieve monthly sales targets and contribute to the overall profitability of the branch. Provide excellent customer service by addressing customer inquiries and resolving issues promptly. Prepare and present sales reports to management, highlighting trends and areas for improvement. Collaborate with other departments to streamline processes and improve customer experience. Skills and Qualifications Bachelor's degree in Finance, Business Administration, or a related field. 2-7 years of experience in sales, preferably in the banking or financial services sector. Strong understanding of banking products, particularly CASA offerings. Excellent communication and interpersonal skills to build relationships with clients. Proficient in Microsoft Office Suite (Excel, Word, PowerPoint) and CRM software. Ability to work independently and as part of a team to achieve sales objectives. Strong analytical and problem-solving skills to identify customer needs and tailor solutions.

• Performing a detailed credit analysis of a borrower, understand Cibil, financial statements, banking and practical credit evaluation parameter. • Evaluate customer loan eligibility for Solar Financing Solutions for retail and commercial clients.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-3 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales and revenue growth. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Experience in relationship management and sales strategy development.

About The Role Credit Manager. Credit appraisal and preparation of credit notes Managing portfolio & delinquencies Regular analysis & preparation of reports Job Requirements: Good analytical & managerial skills with over 3 years experience CA MBA or any other similar qualification Personality Traits: Team worker High on self-motivation Aggressive & balanced

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Proficiency in credit software applications and systems. Excellent analytical and problem-solving skills with attention to detail. Ability to work effectively in a fast-paced environment with multiple priorities. Strong communication and interpersonal skills to build relationships with customers and stakeholders. Experience in the BFSI industry, preferably in a similar role as a Credit Officer.

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB ROLE Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. MBA (Finance)/CA Credit Analyst/Credit Manager

Roles and Responsibility Conduct thorough credit analysis and assessments to determine client creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential credit risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong understanding of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment with multiple priorities. Proficiency in financial modeling and data analysis tools. Strong attention to detail and organizational skills. Experience working with diverse client groups and stakeholders.

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies Infants Job Requirements : CA Inter CA MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)

About The Role AboveFunction- Agri credit Max age limit- 25 + Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role JOB ROLE: Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.JOB Requirement: 3 to 8 years MBA (Finance)/CACredit Analyst/Credit Manager

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor"s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor"s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

As a candidate for this role, you should hold an MBA/PGDBA/PGPM or an equivalent qualification. Your primary responsibilities will involve managing corporate relationships with a strategic focus on growing Vendor Finance Business both within existing partnerships and through establishing new corporate connections. You will be tasked with creating tailored finance solutions to meet the specific needs of corporate clients. A key aspect of the role will be nurturing relationships with the Treasury, Purchase, and accounts teams of corporate clients to facilitate smooth financing for vendors. You will also be expected to promote cross-selling opportunities and enhance the adoption of other working capital products and terms loans within the client base. Effective collaboration with stakeholders from various departments such as Credit, IT, and operations will be crucial for the timely approval and expansion of vendor finance programs. Additionally, you will play a vital role in managing internal product communication and marketing efforts to drive sales of Vendor Finance products. Overall, maintaining the health and performance of the portfolio will be a key focus area for this position. If you are a proactive and results-oriented professional with a strong background in corporate finance and relationship management, we encourage you to apply for this exciting opportunity.,

You will be responsible for underwriting corporate finance business and managing the portfolio in the assigned area. Your key duties will include: - Supporting and co-partnering with business teams to manage end-to-end credit approval for the designated region. - Underwriting cases and presenting them to the senior level for approval. - Authorizing deviations raised and documented by underwriters in compliance with credit policy. - Finalizing the review of credit memos prepared by underwriters, and providing approval/decline sign-offs on every file after checking for documentation requests. - Approving all disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. - Monitoring and overseeing PDD management to ensure timely completion of personal discussion documents through customer visits in high-value cases. - Overseeing and initiating follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate any undue/non-process related delays. - Coordinating with the recoveries team and generating business insights. - Leading a team of credit approvers to ensure portfolio quality and minimize delinquencies. - Engaging in the development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the team's competency, and improving processing efficiency. - Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and loan sanctioning. - Evolving underwriting norms customized to the local market needs and ensuring the continuous enhancement and execution of consumer credit risk strategy. Candidates with an MBA/PGDBA/PGPM/CA or equivalent degree are preferred for this role.,

You will be joining First Adviser, a financial services company established by a team of experienced professionals specializing in banking, finance, and insurance. The company is dedicated to delivering comprehensive financial solutions, offering a wide array of services such as custom loans, trusted insurance guidance, lending platforms, and opportunities for retail investments. In this position as a Business Loan Manager based at First Adviser's New Delhi office, you will work full-time on-site. Your primary responsibilities will involve managing business loan applications, reviewing financial paperwork, evaluating creditworthiness, and ensuring adherence to lending regulations. Additionally, you will collaborate closely with clients to identify their financial requirements and offer them appropriate loan options. The ideal candidate for this role should possess a solid background in financial services, banking, or a related industry. Proficiency in loan underwriting, credit analysis, and risk management is essential. Strong analytical capabilities, keen attention to detail, effective communication skills, and interpersonal competencies are also required. A Bachelor's degree in Finance, Business Administration, or a related field is mandatory, while a Master's degree would be considered advantageous.,

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Undertake ABL portfolio monitoring ABL assessment notes and collateral monitoring Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Review outputs to be delivered by junior analysts, responsible for quality underwriting and workflow management Team management, stakeholder management Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively Train new and junior resources

Credit Underwriting for Aspires MSME loan portfolio Responsible for evaluating and underwriting small business loan applications Analyze financials, banking behavior, and business viability of micro and small enterprises while ensuring compliance with internal credit policies and regulatory norms Analyze and create credit memo for new and renewal applications for credit products Minimum Qualifications: Bachelor Degree in Finance, Commerce, or Economics 0-2 years of experience in MSME loan underwriting / credit analysis Freshers with strong internships in credit/risk welcome Proficiency in bank statement analysis, ITR review, and GST cash flow trends Strong understanding of financial statements and financial ratios Preferred Qualifications: BA/PGDM (Finance/Risk) Strong analytical and documentation skills Basic understanding of cash flow-based lending or surrogate income models Good communication skills to coordinate with sales and operations teams What we offer Uncapped flexible annual leave. Hybrid work arrangement. Training subsidy for your professional growth. we'llness benefit. Team bonding budget to foster collaboration and sense of belonging. Flexibility to work from anywhere (for up to 90 days per annum)

Senior Credit Analyst - Insurance/Corporates/Equity (Financial Modelling) - 2 Years - Pune Location Pune (Hybrid) An excellent opportunity to join a global credit risk team, where you will support insurance sector analysis across North American and European markets. This role blends financial modeling, regulatory tracking, and client interaction in a hybrid work environment. Your Future Employer A globally respected analytical and ratings powerhouse with a strong presence in financial markets, known for insight-driven credit evaluation and decision support. Responsibilities – Support global credit analysts in tracking and analysing the creditworthiness of insurance companies. Monitor industry trends and regulatory changes in global insurance markets to proactively identify credit triggers. Perform in-depth financial analysis, build models, projections, and conduct peer benchmarking . Draft internal credit assessment packs and assist in creating publishable credit rating reports. Collaborate effectively with international clients and stakeholders while ensuring process and compliance adherence. Requirements – 2–5 years of experience in credit risk analysis , insurance sector research , or financial institutions analysis . Expertise in financial modelling and interpretation of international financial statements. Strong verbal and written communication for report writing and stakeholder collaboration. Familiarity with insurance KPIs, regulatory frameworks, and credit ratings methodology. MBA (Finance, Full-time) or CA – mandatory. What is in it for you – Work with a global insurance analytics team . Exposure to international credit markets and rating methodologies. Build deep sectoral knowledge across leading insurance firms. Flexible hybrid working model with learning-focused culture. Reach us – If you believe this role matches your career path, send your updated CV to parul.arora@crescendogroup.in for a confidential discussion. Disclaimer – Crescendo Global is a niche recruitment firm specializing in senior and leadership hiring. We value diversity and inclusion and provide equal opportunities for all qualified applicants. Note – We receive a large volume of applications daily. If you do not hear back from us within 1 week, please consider your application not shortlisted. Your patience is appreciated. Profile Keywords – Credit Risk Analyst, Insurance Analytics, Financial Modelling Jobs, Credit Research, Credit Rating Jobs, CA Analyst Jobs, MBA Finance Roles, Insurance Domain Jobs, Credit Assessment, Financial Analysis, Pune Hybrid Jobs, Crescendo Global Jobs