1497 Credit Appraisal Jobs - Page 44

Essential Services : Role & Location fungibility At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. About the role As a Credit Manager, you will manage a team of credit managers engaged in credit evaluation and credit underwriting of various loan products for customers across retail, agri, business banking, and small and medium enterprises. In the process of credit evaluation, you and your team will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of Fair to Customer and Fair to Bank. In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Area Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio. driving revenue, while keeping NPS at the core of your engagement and following the Banks philosophy of Fair Customer, Fair to Bank. Key Responsibilities 360 Customer Credit Assessment Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. Service Delivery Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. Process Compliance Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Banks framework. Portfolio Management Management of the assigned portfolio through improved disbursement with a key focus on quality. Collaboration Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Ground Sensing Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. Qualifications & Skills Educational Qualification MBA, chartered accountants & graduates with relevant work experience in the area of credit management across industries. Communication skills Good oral and written communication skills. Financial Understanding An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. Regulation Awareness The ability to gauge the impact of policies, rules, and regulations on the portfolio. Risk Mitigation Conceptual understanding of risk and risk mitigation strategies. Hands-on Credit Knowledge Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred.

Role & responsibilities Conduct thorough credit assessments for TW & PL Loan applications. Ensure high quality and performance of the loan portfolio. Meet credit assessment targets within specified TAT. Ensure adherence to audit and regulatory standards at the location. Assist in coordinating and managing vendors for risk control and verification processes. Make well-informed lending decisions based on applicant interactions and available data. Collaborate closely with sales, operations, collections, and policy teams to ensure smooth operations. Maintain databases and prepare monthly reports on loan cases. Coordinate with agencies to sample and screen loan files effectively for fraud prevention. Manage cost efficiency in credit administration processes. Preferred candidate profile Having loan sanctioning authority. Interested candidates can send their resume to: tejashreer@manbafinance.com & dhwanid@manbafinance.com For more info, contact us at: 8657020233

Reporting to:. Associate Director. Role:. Manage large teams (approximately 5-20 people across offices) supporting international clients with a strong focus on driving results, talent management and stakeholder engagement.. The manager will play an important role in fostering a talented and motivated team, understanding client needs and enhancing processes.. Functional Responsibility / Domain Related:. Responsibilities include analytical guidance to team members, talent management and recruitment, overseeing team workflow and process adherence, quality assurance, client management, governance reporting.. Provide analytical guidance to the team members?to. Assist global Credit Analyst(s) in adhering to regulatory timelines and credit events. Assist global Credit Analyst(s) in preparing segments of publishable credit reports and thematic publications. Assist global Credit Analyst(s) in managing various process improvement projects. Talent Management. Manage the performance of team members and conduct regular reviews.. Mentor and manage the aspirations of the team. Workflow Management and Process Adherence:. Oversee the workflow including planning and prioritization. Assist teams in executing tasks and monitor timeliness. Maintain the integrity of internal systems and champion continuous improvement efforts. Strictly practice and enforce all Information Security policies, procedures and guidelines of the organization. Ensure smooth running of operations. Quality Assurance. Establish governance with full accountability by emphasizing a service culture. Set quality benchmarks to guide performance. Ensure that quality is maintained through robust quality assurance practices. Foster open communication and feedback mechanism within the team. Client Management. Maintain relationship with international clients and fully own the service delivery of client processes. Conduct regular touchpoints with the client to address feedback and provide appropriate guidance to team members. Governance reporting. Oversee the preparation and analysis of governance dashboards for the teams to ensure compliance with organizational requirements for both internal and external stakeholders. Recruitment efforts. Manage the recruitment process, including shortlisting the candidates, interviewing, and selecting candidates that meet organizational needs. Support in determining and executing department strategy and priorities. Candidate Profile:. Total experience of 5+ years.. Interpersonal & Relationship Building skills. Execution skills. Analytical skills. Delegation skills. Result orientation. Ability to manage performance under stringent timelines. Essential Qualifications:. Two years full-time MBA (Finance) or equivalent OR CA. Experience. 5 – 12 years of relevant experience in credit analysis or credit research in global markets. Show more Show less

Date 27 May 2025 Location: Bangalore, KA, IN Company Alstom Could you be the full-time Project Cybersecurity Manager in [Bangalore] were looking for Your future role Take on a new challenge and apply your comprehensive cybersecurity expertise in a new cutting-edge field. Youll work alongside dedicated and collaborative teammates. You'll safeguard our projects by establishing and managing cybersecurity activities. Day-to-day, youll work closely with teams across the business (Engineering, Operations, IT), manage system architectures related to cybersecurity requirements and much more. Youll specifically take care of developing the Project Cybersecurity Management Plan, but also ensure compliance with security requirements and manage risk evaluations. Well look to you for: Establishing and ensuring adherence to the Project Cybersecurity Management Plan Distributing and ensuring compliance with applicable security requirements and regulations Planning security activities and managing efficient system architecture design Conducting cybersecurity risk analysis and managing project/business impacts Reviewing deployment documents from a cybersecurity perspective Defining and following up on action plans to resolve cybersecurity issues Ensuring cybersecurity awareness is propagated to the Alstom team and suppliers All about you We value passion and attitude over experience. Thats why we dont expect you to have every single skill. Instead, weve listed some that we think will help you succeed and grow in this role: Degree in Engineering or a related field Experience or understanding of cybersecurity management and deployment of security technologies Knowledge of cybersecurity risk analysis methods and industry standards (ISO 2700X, IEC 62443, NIST, etc.) Familiarity with security products and protocols A relevant certification (e.g., GICSP, CISSP, GSEC, CISM) Strong documentation and presentation skills Proven ability to collaborate across functions and communicate effectively Things youll enjoy Join us on a life-long transformative journey the rail industry is here to stay, so you can grow and develop new skills and experiences throughout your career. Youll also: Enjoy stability, challenges and a long-term career free from boring daily routines Work with cutting-edge security standards for rail signalling Collaborate with transverse teams and helpful colleagues Contribute to innovative projects that shape the future of mobility Utilise our flexible working environment Steer your career in whatever direction you choose across functions and countries Benefit from our investment in your development, through award-winning learning programs Progress towards leadership roles within the cybersecurity domain Benefit from a fair and dynamic reward package that recognises your performance and potential, plus comprehensive and competitive social coverage (life, medical, pension) You dont need to be a train enthusiast to thrive with us. We guarantee that when you step onto one of our trains with your friends or family, youll be proud. If youre up for the challenge, wed love to hear from you! Important to note As a global business, were an equal-opportunity employer that celebrates diversity across the 63 countries we operate in. Were committed to creating an inclusive workplace for everyone.

Research & evaluate clients’ creditworthiness. Create credit scoring models to predict risks .Approve or reject loan requests, based on credibility & potential revenues & losses.must -exp in bank/NBFC .Exp in credit underwriting in Business Loans . Required Candidate profile Credit Manager responsibilities include creating credit scoring models, setting loan terms & determining interest rates.must - degree in Accounting or Finance with exp in processing loan applications

Role & responsibilities Responsible for credit underwriting, credit appraisal of secured and unsecured products. Ensuring adherence to credit policy and KYC policy. Pre Screening of documents uploaded in the portal. Handling of detail data entry in portal. Verifying all KYC's and financial documents of the borrower. Verifying online RIC process. CAM preparation and capturing of appropriate deviations in the CAM. Coordinating with business team to resolve queries. Escalating loan applications to Credit Manager/Area Credit Manager for loan approvals. Preferred candidate profile Language - Kanada is must

Key Objective of the Job: Credit analysis of proposal and preparation of credit notes. Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality. Meeting new customers and existing customers on regular basis Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures Ensure continuous monitoring for all high value exposures in the region Major Deliverables: Quality of Credit Underwriting Portfolio Performance w. r. t. delinquencies, deferrals, Annual reviews/ renewals etc Portfolio Monitoring To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc To raise early warning signals for exit of stress accounts and take due measures for timely exit. To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.

Evaluate and underwrite SENP / SEP loan applications by analyzing financials, business profiles, and conducting personal discussions (PDs). Ensure credit appraisal is in line with company policy, KYC norms, financial assessments, and credit bureau checks. Maintain processing Turnaround Time (TAT) for all loan files and ensure timely approvals. Monitor credit quality and track economic indicators impacting portfolio performance. Ensure end-to-end compliance with login, sanction, and disbursement checklists and conditions. Coordinate with Sales and Credit teams to facilitate smooth file movement and reduce process gaps. Oversee execution and compliance of regulatory activities like CERSAI , CKYC and NHB reporting. Manage secure storage of physical loan documents at the branch and dispatch to vaults within defined timelines. Support Location Operations Head during internal, concurrent, statutory, and NHB audits with required data and process adherence. Ensure branch infrastructure and administrative processes comply with NHB and internal operational guidelines. Conduct regular training and updates for sales teams on new credit policies, circulars, and audit observations. Prepare and maintain accurate credit and operations MIS for branch performance tracking and reporting. Implement operational improvements and risk mitigation strategies across credit and loan processing functions. Cost control measure to be taken to improve Branch Profitability

Evaluate and underwrite SENP / SEP loan applications by analyzing financials, business profiles, and conducting personal discussions (PDs). Ensure credit appraisal is in line with company policy, KYC norms, financial assessments, and credit bureau checks. Maintain processing Turnaround Time (TAT) for all loan files and ensure timely approvals. Monitor credit quality and track economic indicators impacting portfolio performance. Ensure end-to-end compliance with login, sanction, and disbursement checklists and conditions. Coordinate with Sales and Credit teams to facilitate smooth file movement and reduce process gaps. Oversee execution and compliance of regulatory activities like CERSAI, CKYC, and NHB reporting. Manage secure storage of physical loan documents at the branch and dispatch to vaults within defined timelines. Support Location Operations Head during internal, concurrent, statutory, and NHB audits with required data and process adherence. Ensure branch infrastructure and administrative processes comply with NHB and internal operational guidelines. Conduct regular training and updates for sales teams on new credit policies, circulars, and audit observations. Prepare and maintain accurate credit and operations MIS for branch performance tracking and reporting. Implement operational improvements and risk mitigation strategies across credit and loan processing functions. Cost control measure to be taken to improve Branch Profitability

Title Product Ops – LMS, Assistant Manager (AM) Group: Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited that owns the brand Paytm is founded by Vijay Shekhar Sharma and is headquartered in Noida, Uttar Pradesh. Its investors include Softbank, Ant Financial, AGH Holdings, Elevation Capital, Berkshire Hathaway, T Rowe Price, and Discovery Capital. About the team We are an end-to-end tech enabled credit platform providing seamless credit access to customers. Our capabilities extend from fully digitized customer on-boarding, seamless in-app to real time offers and digital customer servicing. We partner with financial institutions and leverage the insights we gather through our ecosystem design and offer innovative and customized financial products to our consumers and merchants. Personal loans We offer 24x7x365 small ticket cash out loans, especially targeted towards ‘new to credit’ borrower, fulfilling their instant fund requirements and discretionary spends Merchant Loans: We offer ‘Merchant loans’ which are unsecured business loans that leverage the transaction history of the merchant and our unique credit scoring system. We distribute such loans through our ‘Paytm for Business’ app Paytm Postpaid is a unique ‘buy now pay later’ product that provides checkout financing to consumers. Our users can avail a transaction credit facility for a wide range of products and services at more than 1 cr shops and websites About the role :Are you someone who loves to scale products and also gets curious about the technology stack being usedWe are looking for self-motivated individuals to be part of our Lending Product Operations team to enable the maintenance of high-quality financial/lending products in a fast-paced, challenging, and creative environment. Expectation: Working closely with Product managers/ Business stakeholders to analyze product flows, keep track and monitor disbursement funnels in customer journeys and build improvements in metrics. Monitoring all LMS servicing flows across various lenders through control and exception reports for possible failures and rectifying the same quickly. Develop and streamline business processes to effectively reduce failures due to process gaps. Cross-departmental collaborationFoster collaboration between Business, Lender, Product and Technology teams to troubleshoot for issues in API integrations. Customer experienceWork with CST and MHD support teams to improve the customer experience to quickly resolve any issuesCollect, organize, and analyze data to help Business and product management make decisions Best practicesEstablish internal best practices and promote them throughout the organization Ability to understand different technology platforms, their features and be able to work with solution architects/engineering leads and write detailed product requirement documents, manage future roadmaps and deliverables Ability to work with multiple stakeholders / senior management / cross-functional teams to influence them for quicker decisions, manage sudden technical roadblocks and be able to clear them Superpowers that will help you succeed in this role: Professional experience in a product Ops or analytical role with hands on experience in banking and financial processesHaving deep understanding of working on LMS (Loan Management System) Platform(s)Knowledge of Fintech/ BFSI/ Lending domainMinimum 4-5 years in product ops / Lending OpsSolutions orientated within a high-energy and fast-paced work environmentPossess excellent oral, written, verbal and interpersonal communication skills Why join us A collaborative output driven program that brings cohesiveness across businesses through technology Improve the average revenue per use by increasing the cross-sell opportunities A solid 360 feedback from your peer teams on your support of their goals Compensation If you are the right fit, we believe in creating wealth for youWith enviable 500 mn+ registered users, 17 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!

Managing credit operations Evaluate creditworthiness of potential clients Liaise with other departments to ensure smooth processes Team handling Comfortable in travelling Appraising, decisioning cases with utmost due diligence within agreed TAT

Job Role Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EMI Key Responsibilties Credit Decisions •Take sound lending decisions based on available information & interactions with the applicants. •Manage credit quality and control delinquencies, frauds. Monitoring Performance •Managing performance in terms of key drivers i.e. Loses / Portfolio quality parameters Cost of credit administration Employee Productivity Regards Rupali 9354966985

ROLE SUMMARY Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Revert on the Hindsight and Internal audit observations KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities Ensuring Credit appraisals are done within TAT Ensuring adherence to the credit policy and process. Core Responsibilities Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet Timely completion of credit appraisals / renewals/PSMs with effective structures Customer Meetings and Discussion along with factory/ Unit visit where ever required. Timely closure of exceptions & managing limit/facility overdue. Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action Interaction with various stakeholders (internal and external) for review of such customers Carry out internal rating of customers and assign/review rating Maintain/monitor Credit Hygiene People Management or Self-Management Responsibilities Timely/ effective closure of transaction requests. Minimal CAM over dues. Timely closure of exceptions & managing limit/facility overdue. . Risk and Internal Control Responsibilities Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management KEY INTERACTIONSKey Internal InteractionsPurpose of Interaction Business Team To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when required Product Team For clarification / guidelines as and when required Key External InteractionsPurpose of Interaction Customers As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL COMPETENCIESCore CompetenciesCompetency NameBehaviors Customer Focus Listens to and demonstrates an understanding of customers stated needs Delivers customer value through timely and quality execution Develops an understanding of problems and employs existing or new methods to find solutions Professional Entrepreneurship Takes proactive and constructive action at work with little or no direction from others Displays responsibility for problems, initiatives and tasks that lie within the domain of own role. Drive for Results Seeks to understand the rationale for key decisions and understands implications for own role/ actions Displays a sense of urgency to deliver outcomes as per stated timelines Reacts to challenges by displaying an optimistic demeanor Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership CompetenciesCompetency NameBehaviors Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety

We are seeking a Branch Credit Manager to oversee the credit underwriting and risk assessment process at the branch level. The ideal candidate will evaluate loan proposals, ensure compliance with credit policies, minimize risk, and support business growth through sound credit decisions. Key Responsibilities: Assess and evaluate loan applications as per company credit policy. Perform credit risk analysis of individuals and businesses. Conduct field visits for verification when required. Coordinate with sales and operations teams for loan processing. Approve or recommend loan applications within delegated authority. Monitor portfolio performance and ensure healthy asset quality. Ensure compliance with KYC, AML, and internal guidelines. Train and guide branch staff on credit procedures and risk management. Handle audits and ensure timely resolution of discrepancies. Qualifications: Bachelor's degree in Finance, Commerce, or a related field; MBA preferred. 38 years of experience in credit underwriting or credit operations. Strong knowledge of lending products, credit policies, and risk practices.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage relationships with existing customers to increase sales of retail mortgages. Identify new business opportunities and develop strategies to acquire new customers. Develop and implement effective sales plans to meet or exceed targets. Collaborate with internal teams to ensure seamless delivery of products and services. Provide excellent customer service and support to resolve customer queries and concerns. Analyze market trends and competitor activity to stay ahead in the market. Job Requirements Minimum 1 year of experience in retail mortgages and sales. Strong knowledge of inclusive banking principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with financial institutions is an added advantage.

1. Looking after credit underwriting of SENP / SEP cases (self-employed & non-professionals.) by having a deep understanding of applicant's financials and business background post visiting customer 2. Appraising loan applications for creditworthiness ensuring adherence to KYC norms, credit bureau assessment and financials 3. Maintaining the processing TAT 4. Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in the mortgage industry. 5. Responsible for frequent training, updates on new circulars, credit policy with the sales team.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including credit appraisal and approval. Develop and implement effective credit policies and procedures to minimize risk. Build and maintain strong relationships with clients and stakeholders. Conduct regular credit reviews and provide recommendations for improvement. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities. Job Requirements Strong knowledge of credit analysis, financial modeling, and risk management. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in Microsoft Office and other relevant software applications. Strong analytical and problem-solving skills. Experience in managing and leading a team of credit professionals.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize business growth. Build and maintain strong relationships with customers, providing excellent customer service and support. Collaborate with cross-functional teams to achieve business objectives and drive sales growth. Conduct thorough analysis of credit data to identify trends and areas for improvement. Ensure compliance with regulatory requirements and internal controls. Job Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. Excellent communication and interpersonal skills, with the ability to work effectively with diverse stakeholders. Proficiency in credit software and systems, with the ability to learn new technologies quickly. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience working in a similar role within the BFSI industry, preferably in a branch credit manager position.

We are looking for a highly skilled and experienced Credit Analyst to join our team at Equitas Small Finance Bank. Roles and Responsibility Conduct thorough credit analyses and assessments to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Collaborate with cross-functional teams to identify and mitigate potential risks associated with credit lending. Analyze market trends and competitor activity to stay informed about industry developments. Prepare comprehensive reports and presentations to communicate findings and recommendations to stakeholders. Stay up-to-date with regulatory changes and industry best practices to continuously improve credit analysis processes. Job Requirements Strong understanding of credit cards, credit, and underwriting principles. Excellent analytical and problem-solving skills, with attention to detail and the ability to interpret complex data. Effective communication and interpersonal skills, enabling strong relationship building with clients and colleagues. Ability to work in a fast-paced environment and meet deadlines while maintaining high-quality standards. Proficiency in relevant software applications and systems, with the ability to learn new technologies quickly. Strong knowledge of the BFSI industry, including current trends and regulatory requirements.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including credit appraisal and approval. Develop and implement effective credit policies and procedures to minimize risk. Build and maintain strong relationships with clients and stakeholders. Conduct regular credit reviews and provide recommendations for improvement. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities for growth. Job Requirements Strong knowledge of credit analysis, financial statements, and regulatory requirements. Excellent communication and interpersonal skills, with the ability to work effectively with diverse stakeholders. Ability to analyze complex data and make informed decisions. Strong understanding of emerging enterprise banking products and services. Experience working in a fast-paced environment with multiple priorities and deadlines. Proficiency in using credit software and systems, with the ability to learn new technologies quickly.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage relationships with existing customers to increase sales of retail mortgages. Identify new business opportunities and develop strategies to acquire new customers. Develop and maintain a strong understanding of customer needs and provide tailored solutions. Collaborate with internal teams to ensure seamless delivery of products and services. Analyze market trends and competitor activity to stay ahead in the market. Build and maintain a network of contacts within the community to promote the bank's brand. Job Requirements Minimum 1 year of experience in retail mortgages and sales. Strong knowledge of inclusive banking principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills. Experience working with small finance banks or similar institutions is an advantage.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance and risk management. Identify opportunities to cross-sell and upsell relevant products and services. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit portfolios and identifying risks. A graduate or postgraduate degree is required.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including credit appraisal and approval. Develop and implement effective credit policies and procedures to minimize risk. Build and maintain strong relationships with clients and stakeholders. Conduct regular credit reviews and provide recommendations for improvement. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities for growth. Job Requirements Strong knowledge of credit analysis, financial statements, and regulatory requirements. Excellent communication and interpersonal skills, with the ability to work effectively with diverse stakeholders. Ability to analyze complex data and make informed decisions. Strong understanding of emerging enterprise banking products and services. Experience working in a fast-paced environment with multiple priorities and deadlines. Proficiency in using credit software and systems, with the ability to learn new technologies quickly.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance metrics. Identify opportunities to cross-sell and upsell relevant products. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong analytical and problem-solving skills. Experience in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and analyze credit data to determine client creditworthiness. Develop and implement effective credit risk management strategies. Conduct thorough credit assessments and provide recommendations. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit portfolio performance and risks. Identify opportunities to improve credit processes and procedures. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong understanding of financial markets and economic trends. Experience working with small and medium enterprises is preferred.