1497 Credit Appraisal Jobs - Page 45

We are looking for a highly skilled and experienced Area Receivables Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the receivable portfolio for the assigned area, ensuring timely recovery of outstanding amounts. Develop and implement effective strategies to improve collection efficiency and reduce delinquencies. Collaborate with cross-functional teams to identify and mitigate potential risks associated with loan disbursement. Analyze and report on key performance indicators (KPIs) related to receivables management, providing insights for business decisions. Ensure compliance with regulatory requirements and internal policies governing receivables management. Lead and motivate a team of professionals responsible for managing receivables operations, fostering a culture of excellence and continuous improvement. Job Requirements Strong knowledge of Micro Finance products and services, including loans, deposits, and other financial instruments. Proven experience in managing large portfolios of receivables, preferably in the BFSI industry. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets and make informed decisions. Effective communication and interpersonal skills, enabling strong collaboration with diverse stakeholders. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong leadership and team management skills, with experience in supervising and developing high-performing teams.

The Position We are looking for a skilled Credit Manager to join our team The candidate must have a passion for credit and be able to work collaboratively with other stakeholders, Department: Credit Location: Bangalore Employment Type: Full time Roles & Responsibilities Assessment of borrower's profiles, repayment capacity and income stability, Visiting business premise, property and residence of customer at the time of PD Understanding of actual business income & expenses (other than reported income) of customer Ability to understand customer business and requirement from their perspective Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD Study, analysis and interpretation of legal & technical reports of property Study, analysis and interpretation of other internal check reports Underwriting and sanction of Home loan/loan against property files sourced by sales team Revert on post sanction conditions prior to disbursement based on queries raised by the team Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix Co-ordinate and communicate with different departments Maintaining TAT as per guidelines and taking case to decision point Adherence to the policy/ process laid out by the Central team on all loan applications being processed Close monitoring on non-starters/first EMI bounce trends Maintaining and reporting of various MIS to monitor portfolio performance and risk Continuously improvise underwriting capability based on portfolio performance Key Skills / Requirements Graduate with 3 5 yearsexperience, Strong knowledge of affordable home segment Benefits Competitive salary packages and bonuses, Mediclaim plans for you and your dependents Access to educational resources for self-improvement technical and non-technical

About The Role Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Job Role: Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Job Requirements Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB DESCRIPTION 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)/CA Credit Analyst/Credit Manager

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; 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)/CA Credit Analyst/Credit Manager

About The Role Credit Manager-Working Capital-Credit JOB DESCRIPTION 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 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 Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; 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 Credit Manager-Working Capital-Credit JOB DESCRIPTION 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 Bangalore, Karnataka, India JOB DESCRIPTION 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 Grade- M4 Role- Location Credit Manager About 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)

Role : - This position is part of the Large Corporate Credit Rating team. 3-7 yrs of work experience, preferably in credit rating/credit appraisal/ financial research, is a prerequisite. There should be exposed to credit analysis of corporate entities in any sector - Undertaking detailed analytical research on debt issuers - Publishing timely, topical and high quality research on general market and sector specific trends, contributing to the increasing profile of the Company within the debt capital markets - Conducting analytical reviews with management teams of rated issuers and making written and oral presentations to rating committees, including rating recommendations. Taking responsibility for allocated portfolio, ensuring timely reviews/rating actions as required. Requirements: - 3-7 yrs of work experience, preferably in credit rating/credit appraisal/ equity research/ financial research, is a prerequisite. There should be exposed to analysis of corporate entities in any sector excl. financial institutions/ banks. Qualification: CA/ MBA - Robust Analytical skills and ability to form a credit opinion - Preferably some background in dealing directly with corporates as part of the analytical role. Must possess strong financial analysis skills, including developing forecasts, peer/ industry analysis and ability to identify key drivers for any given case/ credit. - Must be a strong team player and possess excellent inter-personal skills, with an ability to integrate quickly into an established team and to deal with colleagues and external parties across the region This position is for a Leading Credit Rating Agency

Role : - This position is part of the Large Corporate Credit Rating team. 3-8 yrs of work experience, preferably in credit rating/credit appraisal/ financial research, is a prerequisite. There should be exposed to credit analysis of corporate entities in any sector - Undertaking detailed analytical research on debt issuers - Publishing timely, topical and high quality research on general market and sector specific trends, contributing to the increasing profile of the Company within the debt capital markets - Conducting analytical reviews with management teams of rated issuers and making written and oral presentations to rating committees, including rating recommendations. Taking responsibility for allocated portfolio, ensuring timely reviews/rating actions as required. Requirements: - 8-13 yrs of work experience, preferably in credit rating/credit appraisal/ financial research, is a prerequisite. There should be exposed to analysis of corporate entities in any sector excl. financial institutions/ banks. Qualification: CA/ MBA - Robust Analytical skills and ability to form a credit opinion - Preferably some background in dealing directly with corporates as part of the analytical role. Must possess strong financial analysis skills, including developing forecasts, peer/ industry analysis and ability to identify key drivers for any given case/ credit. - Must be a strong team player and possess excellent inter-personal skills, with an ability to integrate quickly into an established team and to deal with colleagues and external parties across the region

Position: Credit Ratings Role - Large Corporates (Mumbai/ Delhi NCR/ Kolkata) (3-8 yrs) Role : - This position is part of the Large Corporate Credit Rating team. 3-8 yrs of work experience, preferably in credit rating/credit appraisal/ financial research, is a prerequisite. There should be exposed to / credit analysis of corporate entities in any sector - Undertaking detailed analytical research on debt issuers - Publishing timely, topical and high quality research on general market and sector specific trends, contributing to the increasing profile of the Company within the debt capital markets - Conducting analytical reviews with management teams of rated issuers and making written and oral presentations to rating committees, including rating recommendations. Taking responsibility for allocated portfolio, ensuring timely reviews/rating actions as required. Requirements: - 8-13 yrs of work experience, preferably in credit rating/credit appraisal/ financial research, is a prerequisite. There should be exposed to / analysis of corporate entities in any sector excl. financial institutions/ banks. Qualification: CA/ MBA - Robust Analytical skills and ability to form a credit opinion - Preferably some background in dealing directly with corporates as part of the analytical role. Must possess strong financial analysis skills, including developing forecasts, peer/ industry analysis and ability to identify key drivers for any given case/ credit. - Must be a strong team player and possess excellent inter-personal skills, with an ability to integrate quickly into an established team and to deal with colleagues and external parties across the region Location: Mumbai/ Delhi NCR/ Kolkata This position is with a Client of Vertex Corporate Services which is a Leading Rating Agency

Position: Credit Analyst (Investments focussed Family Office) Role: - Undertaking detailed analytical research on debt issuers (Corporate Bonds/NCD/MLD/Tax Free Bonds). Going through the annual reports, credit rating reports, building financials model to understand repayment capability of issuer with financial ratio and cash flow analysis, speaking to the Company/ industry experts/ Banks/ rating agencies to understand the issuer in detail - Benchmarking of financials and physical performance with peers in the industry to understand key strengths and weakness of corporates - Prepare investment note with key financials, pros and cons of the issuer and recommendation to the investment committee - Assessment of quality of security being offered and tracking security cover during the tenor of the facility - Closely monitor the credit exposures with review at quarterly intervals - Connect with direct market participants Brokers, Mutual Funds, Banks, Corporates, PDs, or Insurance companies for sourcing of bonds - Evaluating the AIF’s/ PMS’s/ MF’s investing in debt (Investment grade & high yield products) by speaking to the product manufacturers and taking feedback from the market & preparing the note to be presented to the investment committee Requirements: - Qualification: CA/ MBA/CFA. CA is preferred. - 3-6 years of work experience, preferably in credit rating/credit appraisal/ debt Capital market, is a prerequisite. Exposure to credit analysis of Real Estate, Infrastructure sector entities and Projects is a plus - Robust Analytical skills and ability to form a credit opinion - Preferably some background in dealing directly with corporates/ financial services entities as part of the analytical role. Must possess strong financial analysis skills, including developing forecasts, peer/ industry analysis and ability to identify key drivers for any given issuer Location: Hyderabad This position is for a Client of Vertex Corporate Services which is a Large Family Office focussed on Investments

Position: Credit Analyst-Real Estate & Infrastructure Sector (Investments focussed Family Office) Role: - Undertaking detailed analytical research on debt issuers (Corporate Bonds/NCD/MLD/Tax Free Bonds), mainly entities and Projects in the Real Estate & Infrastructure Sectors. Going through the annual reports, credit rating reports, building financials model to understand repayment capability of issuer with financial ratio and cash flow analysis, speaking to the Company/ industry experts/ Banks/ rating agencies to understand the issuer in detail - Benchmarking of financials and physical performance with peers in the industry to understand key strengths and weakness of corporates - Prepare investment note with key financials, pros and cons of the issuer and recommendation to the investment committee - Assessment of quality of security being offered and tracking security cover during the tenor of the facility - Closely monitor the credit exposures with review at quarterly intervals - Connect with direct market participants Brokers, Mutual Funds, Banks, Corporates, PDs, or Insurance companies for sourcing of RIETs, InvITs & bonds - Evaluating the AIF’s/ PMS’s/ MF’s investing in debt (Investment grade & high yield products) by speaking to the product manufacturers and taking feedback from the market & preparing the note to be presented to the investment committee Requirements: - Qualification: CA/ MBA/CFA. CA is preferred. - 3-6 years of work experience, preferably in credit rating/credit appraisal is a prerequisite. Exposure to credit analysis of entities and Projects in the Real Estate or Infrastructure Sectors is required - Robust Analytical skills and ability to form a credit opinion - Preferably some background in dealing directly with corporates/ financial services entities as part of the analytical role. Must possess strong financial analysis skills, including developing forecasts, peer/ industry analysis and ability to identify key drivers for any given issuer Location: Hyderabad This position is for a Client of Vertex Corporate Services which is a Large Family Office focussed on Investments

Sunrise Sports And Fitness is looking for Personal Trainer to join our dynamic team and embark on a rewarding career journey Identifying training needs: Assessment of employee skills and knowledge gaps to determine the type of training required Designing training programs: Creating customized training programs that meet the specific needs of the organization and its employees Delivering training sessions: Leading classroom-based or online training sessions, using a variety of teaching methods to engage participants and enhance learning Evaluating training effectiveness: Monitoring and evaluating the impact of training programs on employee performance and business outcomes Keeping up to date with industry developments: Staying informed of new trends and developments in the training field to ensure the organization's training programs remain relevant and effective

Customer credit assessment, quality of the Loan Book and credit quality of customer at the time of onboarding, Manage the credit appraisal of loan applications/ scrutiny of relevant documents/ income statement. Required Candidate profile 3 years+ in retail credit, risk and policy functions with Housing Finance, NBFCs or Banks across geographies.