2199 Credit Analysis Jobs - Page 29

We are hiring for TOP MNC for Commercial Banking & Underwriting, Commercial Credit Underwriting, Credit Analyst/ Analysis Location - Chennai Experience - 1 - 12Years CTC - up to 16LPA NP - up to 30Days Shift - Flexible to work in shifts (Including Night) Work from Office Levels & Experience 4 - 7 Years (5- 8LPA)- Analyst (SME) 6- 9 Years (8- 12LPA)- Sr Analyst (Team Lead) 9- 12 Years (10- 16LPA)- Ops Specialist (Assistant Manager) Skills Required Must have 4 - 12 years of experience end to end in Commercial Banking & Underwriting, Commercial Credit Underwriting, Lending ops banking. Must have people management skills. Good Communication skills. Flexible to work from office and in shifts Interested candidates please share resume on below details Share CV on : asha.g@inspirationmanpower.co.in Call to : Asha G - 7624836555

Position: Analyst - Credit & Fraud Operations About: bluCognition is an AI/ML based start-up specializing in risk analytics, data conversion and data enrichment capabilities. Founded in 2017, by some very named senior professionals from the financial services industry, the company is headquartered in the US, with the delivery centre based in Pune. We build all our solutions while leveraging the latest technology stack in AI, ML and NLP combined with decades of experience in risk management at some of the largest financial services firms in the world. Our clients are some of the biggest and the most progressive names in the financial services industry. We are entering a significant growth phase and are looking for individuals with entrepreneurial mindset who want to join us in this exciting journey. https://www.blucognition.com/ Summary: As a Credit & Fraud Operations Analyst, you will be working within the Risk team to assist in the day-to-day manual analysis of new customers on the platform. You should be comfortable with high level financial analysis and data reconciliation in a fast-paced environment with supervision from senior risk members. Roles & Responsibilities: Utilize and follow a defined set of standard operating procedures alongside Pipes internal credit tooling and systems to ensure minimum approval criteria is met (e.g. classifying customer industry, ensuring customer bank is connected, etc). Analyze prospective customers manual bank statements (such as compiling total debits and credits) to ensure consistency and conformity with revenue data and other ancillary data sources utilized in companys risk evaluations. Conduct comprehensive debt analysis for customers with multiple loans to assess repayment capacity & identify potential risks. Action daily applications pended into the fraud queue. Review the information elements on these cases thoroughly and decision them from fraud approval/decline perspective as per procedures. Drive improved performance on established Fraud KPIs achieving desired function objectives to drive reduction in fraud loss while reducing disruption/ improving experience for genuine applicants. Collaborate with the internal sales team to verify if any outstanding documents or information are required from the customer to facilitate loan approval, ensuring a seamless and efficient process. Requirements: 2-5 years of experience in credit and fraud operations especially with decisioning of new credit product applications. Deep knowledge of fraud management principles and fraud operations. Strong knowledge of industry leading fraud solutions from 3rd parties. Experience in managing fraud operations within a mobile environment based new application decisioning is highly desired. Ability to multitask, establish priorities with an attention to detail in a fast-changing environment. Strong attention to detail & ability to make decisions with confidence. Should be open for flexible / rotational working hours. Office Location: D - 3010, Solitaire Business Hub, Viman Nagar, Pune - 411014, Maharashtra, India Mode of Work: Remote / Work from Home (WFH) Working Days : 5 Days a Week Shift Timings: Rotational - Flexibility required

Posted On 14th Jun, 2025 : Responsible for Unsecured loan collections with good communication skills Make outbound calls for collections . Advising on repayment plans to suit level of debt and customer circumstances. Escalating calls to managers when required. Adhering to legislative guidelines Entering data and maintaining accurate records. Facilitating advanced collections activity, such as sending letters of demand and reminder messages. Improve operational processes. Work to key performance indicators. Follow Weekly Targets Graduate degree preferable or pursuing graduation. Monday to Saturday 9:30 am to 6:30 pm Incentives over and above the salary from day 1 of joining. No bond Key Skills : Company Profile Ever since the company began their journey in 2013, their aim has been to enable --- for every possible earning individual. Like payments, which has become digital, embedded & ubiquitous in the last 8 years, --- too will become a ubiquitous instrument for a consumers/business owner to transact for various purchases whether it is a vanilla Term Loan to consumer financing to working capital finance. And they are at the forefront of this shift. They are one of the top-rated AI companies in India built --- scores, alternate data products using multiple data sources and operate as SAAS for 50+ clients across banking and tech industry. They have embedded our solution with internet platforms that want to offer a loan product to their users. Their team comes from variety of backgroundsExperts from NBFC, Bureaus, Banking, Technology, Ex entrepreneurs co-located PAN-India diverse.

Join a dynamic team and control the strategic and daily support for client services, business development and relationship building Specialising in credit delivery, you ll be managing client relationships and aiming to not just meet but exceed their expectations Hone your communication and interpersonal skills, in this collaborative and fast-paced environment Were offering this role at associate vice president level What youll do We re looking for someone who ll put our clients at the heart of everything they do, joining a team who specialise in credit delivery. As a Relationship Manager, you ll be effectively managing your diary, building and developing a portfolio of clients and crucially, delivering excellent service. We ll also look to you to produce high quality new business proposals and support credit analysis, building a strong relationship with the credit function. You ll also be: Conducting sales and service needs interviews through customer service reviews to ensure they are receiving a first-class service Designing and originating new business proposals that are appropriate to the needs of our clients Understanding how our products and services compare with competitors and using this knowledge to maximise opportunities when undertaking personal reviews Setting detailed targets, monitoring performance and developing tactical solutions to address challenges and exploit commercial market opportunities Building and maintaining relationships with stakeholders and leading commercial negotiations and agreements of contractual terms with new intermediaries The skills youll need We re looking for someone with knowledge of credit delivery and good experience of working in the financial services industry. You ll have an excellent appreciation of legal forms of lending and security and a broad understanding of corporate finance and capital models. Additionally, we ll also be looking for you to have excellent communication skills, with the ability to operate and influence effectively at a senior level. You ll also need: A QFA qualification with strong credit analysis skills Excellent relationship management skills and experience of working in a customer driven business environment A track record of successfully leading and developing a high-performing sales team Experience of relevant legal, regulatory and statutory obligations and risk management within a financial services environment Excellent knowledge of businesses processes, including know your customer, anti-money laundering, deal structuring and preparing credit appraisals

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS 3 Grade : JM3 4 Department : SECURED UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environmentslive Organizational values.

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environmentslive Organizational values.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Key responsibilities: Support credit underwriting through detailed financial modeling, ratio analysis, and forecast building. Perform bottom-up analysis of company financial statements, capital structure, and liquidity Draft initial credit reports and background summaries based on deal information and reporting disclosures. Participate in case reviews by analyzing the business model, industry risks, and financial health Reconcile historical financials under IFRS, identify adjustments, and assist in alignment with deal templates Collaborate with lead analysts and onshore counterparts for data validation, clarification and memo finalization Handle recurring quarterly monitoring updates, including LTM vs. Q metrics and variance tracking Skill requirements: Proficient in corporate financial modeling and credit metrics analysis (interest coverage, leverage and DSCR etc.) Strong understanding of IFRS-based reporting, including EBITDA reconciliation and lease adjustments Ability to manage multiple cases independently with attention to accuracy and turnaround timelines Strong written and communication skills for clear drafting memo and stakeholder interaction Preferred: CFA level 2 cleared candidate Exposure to sector-agnostic environment Familiarity with leveraged loan and high-yield credit analysis

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. Job Purpose Support Sponsor & leverage financing transaction origination and lead the transaction structuring and execution cycle. Key Accountabilities & Job Responsibilities Support origination of structured transactions with Financial Sponsors in India. Responsible for analysing and execution of sponsor and leverage finance investments across the range of capital structures. Participate in all stages of investments and decision making including idea generation, underwriting, execution and portfolio management. Tasks include: Preparation of investment committee memorandums. Building and maintaining detailed cashflow models. Performing due diligence on prospective investment opportunities. Negotiating terms with both the sponsor/borrower. Interfacing directly with clients, counterparties and internal stakeholders for smooth and successful closure of transactions. Staying up to date with current capital market conditions and relevant regulatory developments. develop the bank s access to alternative / structured / loan market investors and distribute the leveraged and structured financing products to the most suitable investors. Comply with all regulatory and internal policies and procedures, regulations and guidelines. Support portfolio management by actively monitoring and reporting performance of existing portfolio. Required Experience 10 - 12 years of experience in a similar role. Education / Preferred Qualifications MBA or a professional degree from a premier institute or compensating experience. Core Competencies Strong financial market experience and demonstrated financial risk & credit analysis skills. Ability to work independently to conduct sophisticated financial / credit analysis and develop and analyse financial models for financing. Transaction structuring experience with the ability to convert the clients financing requirements into relevant investment / trade ideas. Solid understanding and interpretation of financial reports and key financing terms / covenants with experience in drafting and negotiating term sheets. Critical thinking and strong attention to detail are a must. Good organisation skills and ability to prioritise, manage and meet expectations / deadlines with strong work ethics, integrity and commitment. Superior written, oral communication and interpersonal skills. DBS India - Culture & Behaviors DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity.

At Capgemini Invent, we believe difference drives change. As inventive transformation consultants, we blend our strategic, creative and scientific capabilities,collaborating closely with clients to deliver cutting-edge solutions. Join us to drive transformation tailored to our client's challenges of today and tomorrow.Informed and validated by science and data. Superpowered by creativity and design. All underpinned by technology created with purpose. What you will love about working here We recognize the significance of flexible work arrangements to provide support. Be it remote work, or flexible work hours, you will get an environment to maintain healthy work life balance. At the heart of our mission is your career growth. Our array of career growth programs and diverse professions are crafted to support you in exploring a world of opportunities. Equip yourself with valuable certifications in the latest technologies such as Generative AI. Your Role We are looking for a skilled PySpark Developer with experience in Azure Databricks (ADB) and Azure Data Factory (ADF) to join our team. The ideal candidate will play a crucial role in designing, developing, and implementing data solutions using PySpark for large-scale data processing and analytics. Your Profile Design, develop, and deploy PySpark applications and workflows on Azure Databricks for data transformation, cleansing, and aggregation. Implement data pipelines using Azure Data Factory (ADF) to orchestrate ETL/ELT processes across heterogeneous data sources. Conduct regular financial risk assessments to identify potential vulnerabilities in data processing workflows. Collaborate with Data Engineers and Data Scientists to integrate and process structured and unstructured data sets into actionable insights.

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Card Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Review the dispute claim to determine the authenticity of the card chargeback claim and honor the request as per regulation E. What are we looking for In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targets Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targets Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: BBA/BCom/Master of Business Administration Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for The employee should have minimum of 10 to 12 years of experience in commercial portfolio management Willing to work in night shifts Have client handling expertise Possess OM fundamental knowledge Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification BBA,BCom,Master of Business Administration

Skill required: Property & Casualty- Underwriting - Underwriting Designation: Underwriting Associate Manager Qualifications: Any Graduation Years of Experience: 10 to 14 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do As a Leader, you are respected for your technical expertise and ability to oversee programs and processes. You balance the needs of multiple stakeholders, making sound decisions using data, analysis, experience, and judgment, along with a risk mindset. Ultimately, you take ownership of key outcomes.Define Insurance policy and calucating premium including terms and condition for PropertyThe Underwriting team focuses on raising investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. The role requires a good understanding of credit analysis, creditworthiness, credit underwriting, credit appraisal memo, commercial lending, financial analysis, asset evaluation, and income calculation. The role may also need expertise around residential underwriting, mortgage underwriting, government-sponsored loans, and pre-purchase review. What are we looking for In this role, you will be responsible for the strategic planning and development of all (Region/Country) Underwriting Analyst operations and report directly to Head of Operations. You will coordinate with and guide the Underwriting Analyst Managers for all product lines and identify and design processes and controls that will drive continuous improvement.Insurance Underwriting Migration Location strategy Technology for process automation Data analytics Performance Monitoring Insurance Certification (CPCU AINS IIA CII) Green/Black Belt Process restructuring Budget planning. Roles and Responsibilities: Applies strategic organizational thinking.Displays strong leadership skills.Possess deep analytical capacity for systems, processes, and controls.Develops key relationships with the field and home office underwriting leaders to execute the end-to-end underwriting processes.Manages a cross-regional team of Underwriting Analysts and develops emerging talent to ensure succession through mentoring and coaching.Provides vision, clarity, and direction to all stakeholders.Works with team members and underwriters to determine needs and provide solutions in alignment with the global strategy of standardization to manage control and maximize efficiency.Develops and implements guidelines and processes to ensure consistency, global controls adherence, workload sharing, and best practice knowledge transfer.Assumes an active role in the implementation of the Standard Commercial Underwriting Platform transformation.Communicates and collaborates across the organization to provide solutions/recommendations to achieve organizational success. Qualification Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations New Associate Qualifications: BCom Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Account ManagementAccounting Journal EntriesAccounting & Financial Reporting StandardsAccount ReconciliationsCommitment to qualityAgility for quick learningProcess-orientationAbility to work well in a teamWritten and verbal communication Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification BCom

Core Responsibilities: Underwriting, Fraud Investigations, Risk & Compliance Checks Perform credit analysis and underwriting activities Evaluate financial position and credit worthiness, for prospective and existing commercial/merchant/portfolio accounts Investigate patterns and indicators that emerge which increases the risk exposure ofInstamojo Create a profile that includes a list of many different areas in which fraud may occur and the types of fraud that are possible in this area This could really be sort of a top-down approach in terms of where fraud is likely to occur Quantify the risk of fraud and the overall exposure to the organization Deal with the high priorities by monitoring them on an on-going basis Do some ad-hoc testing to look for indicators of fraud in these areas and based on this analysis, establish a good risk-assessment and prioritize "/>

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.