1497 Credit Appraisal Jobs - Page 48

The Team Leader Emerging Local Corporate is responsible for structuring and managing deals, overseeing portfolio management, and leading a team of Relationship Managers. The role focuses on acquiring and supporting clients in the middle market segment (?250 - ?1500 crore turnover), offering them a comprehensive suite of banking products. The incumbent will play a crucial role in client relationship management, revenue generation, and ensuring compliance with risk policies while driving business growth. Key Responsibilities Portfolio Management & Deal Structuring Structure and restructure deals to meet clients financial requirements. Oversee portfolio management handled by section leaders, ensuring seamless client servicing. Team Leadership & Management Lead and manage a team of Relationship Managers, ensuring alignment with the bank's strategic objectives. Drive team performance by setting goals, monitoring progress, and providing coaching and development opportunities. Client Relationship Management Engage with top management and promoters of client organizations to understand financial needs and offer suitable banking solutions. Seek and acquire new client relationships, structuring deals and managing financial risks. Maintain long-term relationships with clients by providing advisory services and customized banking products. Revenue Generation & Business Development Drive revenue growth by achieving financial targets across earnings, assets, liabilities, and credit quality. Expand client portfolios by identifying opportunities across all banking products. Market Research & Competitive Analysis Conduct market research to understand industry trends, competition, and customer needs. Develop and implement brand communication initiatives to position the bank's products effectively. Credit Appraisal & Risk Management Conduct in-depth financial analysis, including income statements, balance sheets, cash flows, and industry risks. Ensure compliance with internal policies and regulatory requirements to mitigate financial risks. Documentation & Compliance Maintain high-quality documentation standards for client communication and process compliance. Collaborate with legal, risk, and policy teams to ensure smooth deal execution and regulatory adherence. Key Interactions Internal Interactions Risk Management: Coordinate risk mitigation strategies. CMS & CAD Teams: Ensure smooth client interface and compliance. Legal Team: Address legal aspects of deals and ensure compliance. External Interactions Clients & Promoters: Develop relationships with key decision-makers to understand business needs and drive new opportunities. Candidate Profile Education & Qualifications Bachelor's degree in any field (Master's degree in Finance preferred). Strong proficiency in written and spoken English. Experience Minimum 10 years of relevant experience, with at least 5 years in a leadership role. Experience in BFSI or a related industry, handling large corporate or middle-market clients. Key Competencies Behavioral Competencies: Strong customer focus and relationship management skills. Entrepreneurial mindset with a drive for results. Effective decision-making, influencing, and leadership abilities. Quality and compliance orientation with a focus on process improvements. Technical Competencies: In-depth knowledge of banking products (savings accounts, current accounts, term deposits, etc.). Strong financial analysis and risk management expertise. Ability to lead teams and drive performance through motivation and guidance. Why Join Us This role offers an exciting opportunity to lead a high-performing team, drive strategic business growth, and engage with top-tier clients. If you have a strong background in banking and corporate relationship management, we invite you to be part of our dynamic team.

Must have mortgage loan experience Must have ability to read balance sheet & Profit & Loss Ac Must have Personal Discussion experience

Reporting directly to the Group Company Secretary and indirectly to the Regional Company Secretary (APAC, Europe & Banking), the successful applicant will provide crucial banking / finance related administration, KYC and CDD support to the company secretarial team and also have responsibility for delegated company secretarial and associated matters for a number of group companies based both in and outside India. This role is for someone keen to take on a varied and interesting role within a fast moving and dynamic team – this is not a traditional company secretarial role. It is important to note that the role requires a hands-on, flexible approach and a willingness to deal with regular day-to-day administration, such as filing, coordinating signatures, correspondence, etc. related to the Group banking portfolio. In addition, the successful applicant will form part of a wider team (based in Amsterdam, Johannesburg, Senegal, Mumbai and Puerto Rico) who collectively perform a similar role for group companies worldwide. The core duties are, i) to support the management of the corporate banking administration and compliance function group wide, including the drafting and reviewing of legal documents (such as board/shareholder resolutions, intragroup agreements) and ii) responding to incoming KYC enquiries and requests. providing company data and details in a timely manner, as well as the management of an online electronic database (to which external parties can be granted secure access) through which corporate documentation and data can be securely shared. DEPARTMENT: Company Secretarial The department supports all business areas and provides corporate administration services, the creation and maintenance of the corporate legal records for all group companies and responding to KYC enquiries, by receiving and responding to incoming requests, as well as maintaining an online database of corporate details, corporate identification documents and other data, and managing access to the same. KEY RESPONSIBILITIES: Provision of support for the administration and management of all bank account related, corporate finance, KYC, CDD and compliance matters for the group’s entities across a variety of jurisdictions. Responsibilities will include but are not limited to: Drafting, coordinating and managing the timely and accurate execution of legal and corporate documents – resolutions, board minutes, powers of attorneys, bank facilities, loan, guarantees and related agreements, to ensure that the companies fulfil their legal and statutory obligations in the relevant jurisdiction. Providing company legal administration services to and overseeing document and record management and other administrative processes for, a portfolio of companies. Liaising with and supporting internal group functions (including legal, tax, finance, treasury) as well as external suppliers, professional advisors (audit and legal) and company agents. Ownership of the administration and management of all inbound KYC enquiries. Responding to KYC requests from internal and external requestors by ensuring the accuracy and collating signatures accordingly. Maintenance and updating secure online documentation database. Maintaining accurate and proper records and overseeing document and record management and other administrative processes. Liaising with and supporting internal group functions (including Global Banking and treasury) as well as external suppliers and counterparties. SKILLS & COMPETENCIES: Experience with Indian corporate secretarial practice and relevant company law principles, as well as associated compliance requirements is essential. Experience working with other legal jurisdictions gained specifically in a banking / financial institution environment is preferred. Familiarity with the principles and background of global anti- money-laundering regulations and KYC compliance, as well as standard requirements and the importance of compliance in the global regulatory environment. 1-3 years of relevant work experience, gained ideally in an in-house legal or company secretarial department or with a bank or similar financial institution. Relevant academic background; law or finance degree and/or professional qualification (eg. ICSI or ICSA) preferred. Formal company secretarial registration/membership required. Demonstrable ability and willingness to work in a fast-paced commercial environment, often dealing with senior management and colleagues based worldwide. Ability to work independently and comfortable with managing a busy workload of changing priorities. A practical, ‘can do’ attitude and ability to produce quick solutions is essential. A ‘hands-on’ approach towards management of day-to-day tasks Fluent English is essential; other languages desirable but not essential. Familiarity with standard MS Office computer software; Computershare GEMS or other company secretarial software is preferred. Excellent oral and written communication skills. Energetic, dynamic and enthusiastic personality. Reporting Structure - Reporting directly to the Group Company Secretary, with an indirect functional reporting line to the Regional Company Secretary (APAC, Europe & Banking). - Senior Company Secretary - Regional Company Secretary (APAC, Europe & Banking) - Directors and other colleagues based in Mumbai, Johannesburg, Amsterdam - Colleagues in other offices worldwide - External Service Providers

BRANCH CREDIT MANAGER Job Summary: We are seeking a detail-oriented and experienced Branch Credit Manager to manage credit underwriting and risk assessment at the branch level. The ideal candidate will evaluate loan applications, ensure compliance with credit policy, and support business growth by maintaining a healthy portfolio. Key Responsibilities: Assess and evaluate creditworthiness of loan applications within the branch. Conduct due diligence and financial analysis of applicants, including income assessment, cash flow analysis, and verification of documents. Approve or recommend credit decisions within defined authority limits. Ensure compliance with internal credit policy, regulatory guidelines, and risk parameters. Conduct personal discussions (PDs) with customers, wherever necessary. Coordinate with sales, operations, legal, and collections teams to ensure smooth and compliant processing. Monitor loan performance post-disbursement and flag early warning signals. Maintain credit TAT (Turnaround Time) and quality parameters as per organizational standards. Train and guide the sales and credit support team on documentation and process. Support audits and ensure proper documentation and file maintenance. Key Requirements: Graduate Minimum Qualification 3–5 years of experience in credit in NBFC/BFSI sector. Sound understanding of lending products, risk assessment techniques, and financial analysis. Strong decision-making and analytical skills. Familiarity with regulatory norms and compliance standards. Good communication and coordination skills.

YES SECURITIES is looking for Online Account Opening Executive to join our dynamic team and embark on a rewarding career journey. Assist prospective clients with end-to-end online account opening procedures, including KYC document verification and onboarding formalities. Ensure timely resolution of customer queries and concerns related to digital account opening through call, chat, or email channels. Verify submitted documents for accuracy and authenticity in compliance with regulatory standards and internal guidelines. Guide users through the account setup interface and troubleshoot any technical or procedural issues during onboarding. Coordinate with operations, compliance, and IT teams to resolve back-end processing or system errors efficiently. Keep up to date with changes in online onboarding processes, technology platforms, and regulatory updates. Maintain high standards of data accuracy, confidentiality, and customer experience throughout the onboarding journey. Provide feedback for process improvements and digital enhancements to streamline the account opening experience. Identify trends in customer issues to support development of FAQs and training material for internal teams.

Role Summary: We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from 100 Cr to 500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities: 1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between 100 Cr to 500 Cr. Identify opportunities through market intelligence, references, and industry networking. 2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. 3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with banks credit policies. 4. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. 5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. 6. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Functional Responsibility Having sound knowledge of banking domain (Wholesale, retail, core banking, trade finance) Experience and good understanding of credit appraisal, loan origination process and portfolio monitoring for BFSI Should have an understanding of financial ratios, annual statement and financial instruments. Supporting clients by providing user manuals, trainings, conducting workshops and preparing case studies. Process Adherence Review the initial and ongoing development of product Responsible for documenting, validating, communicating and coordinating requirements. Provide support to business development by preparing proposals, concept presentations and outreach activities Maintaining and updating tracker, reviewing test cases, providing training to internal as well as external stakeholders Client Management / Stakeholder Management Interact with clients in relation to assignment execution and manage operational relationships effectively Interact with client for requirement gathering, issue tracking, change request discussion, FRD writing and preparing project status reports People Development Co-ordinate with assignment-specific team of consultants, developers, QA and monitor performance to ensure timely and effective delivery

Location: Across India About Credit and Policy Group: Credit and Policy Group is an integral function of the bank and is responsible for credit underwriting of customers across Retail and Business Banking with a focus of 360 degree Banking. We have adopted an organisational model that will intensify our unified approach, to provide a holistic banking experience to our customer. The incumbent works closely with the Sales & Relationship teams to on-board value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Role of a Credit Manager The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Primary job duties/responsibilities Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers Undertake the credit assessment process within defined turn-around-time (TAT) Focus on delivering best in class service and transaction experience to customers in every engagement Consider key market nuances in the credit underwriting process Undertake comprehensive opportunity capturing while conducting credit assessment Keep a focus on creating high quality portfolio Manage the complete life-cycle of loan process, through credit application till disbursement Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning Ensure post disbursement documents and covenant management Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks Educational Qualifications: Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience. Experience: Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred Should have an analytical bend of mind Basic knowledge of financing and financial statement Collaborative and orientation to work in cross functional teams Should have an orientation to learn Conceptual understanding of risk and risk mitigation strategies BasicOrientation for business and analytical acumen Basic understanding of financial analysis, balance sheet and profit and loss accounts Ability to assess impact of policies, rules and regulations on portfolio Strong communication (both oral and written) and negotiation skills Attention to detail Exposure to analytics would be an added advantage Ability to articulate own point of view

Location: Across India About Credit and Policy Group: Credit and Policy Group is an integral function of the bank and is responsible for credit underwriting of customers across Retail and Business Banking with a focus of 360 degree Banking. We have adopted an organisational model that will intensify our unified approach, to provide a holistic banking experience to our customer. The incumbent works closely with the Sales & Relationship teams to on-board value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Role of a Credit Manager The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Primary job duties/responsibilities Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers Undertake the credit assessment process within defined turn-around-time (TAT) Focus on delivering best in class service and transaction experience to customers in every engagement Consider key market nuances in the credit underwriting process Undertake comprehensive opportunity capturing while conducting credit assessment Keep a focus on creating high quality portfolio Manage the complete life-cycle of loan process, through credit application till disbursement Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning Ensure post disbursement documents and covenant management Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks Educational Qualifications: Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience. Experience: Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred Should have an analytical bend of mind Basic knowledge of financing and financial statement Collaborative and orientation to work in cross functional teams Should have an orientation to learn Conceptual understanding of risk and risk mitigation strategies BasicOrientation for business and analytical acumen Basic understanding of financial analysis, balance sheet and profit and loss accounts Ability to assess impact of policies, rules and regulations on portfolio Strong communication (both oral and written) and negotiation skills Attention to detail Exposure to analytics would be an added advantage Ability to articulate own point of view

Location: Across India About Credit and Policy Group: Credit and Policy Group is an integral function of the bank and is responsible for credit underwriting of customers across Retail and Business Banking with a focus of 360 degree Banking. We have adopted an organisational model that will intensify our unified approach, to provide a holistic banking experience to our customer. The incumbent works closely with the Sales & Relationship teams to on-board value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Role of a Credit Manager The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Primary job duties/responsibilities Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers Undertake the credit assessment process within defined turn-around-time (TAT) Focus on delivering best in class service and transaction experience to customers in every engagement Consider key market nuances in the credit underwriting process Undertake comprehensive opportunity capturing while conducting credit assessment Keep a focus on creating high quality portfolio Manage the complete life-cycle of loan process, through credit application till disbursement Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning Ensure post disbursement documents and covenant management Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks Educational Qualifications: Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience. Experience: Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred Should have an analytical bend of mind Basic knowledge of financing and financial statement Collaborative and orientation to work in cross functional teams Should have an orientation to learn Conceptual understanding of risk and risk mitigation strategies BasicOrientation for business and analytical acumen Basic understanding of financial analysis, balance sheet and profit and loss accounts Ability to assess impact of policies, rules and regulations on portfolio Strong communication (both oral and written) and negotiation skills Attention to detail Exposure to analytics would be an added advantage Ability to articulate own point of view

Location: Across India About Credit and Policy Group: Credit and Policy Group is an integral function of the bank and is responsible for credit underwriting of customers across Retail and Business Banking with a focus of 360 degree Banking. We have adopted an organisational model that will intensify our unified approach, to provide a holistic banking experience to our customer. The incumbent works closely with the Sales & Relationship teams to on-board value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Role of a Credit Manager The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Primary job duties/responsibilities Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers Undertake the credit assessment process within defined turn-around-time (TAT) Focus on delivering best in class service and transaction experience to customers in every engagement Consider key market nuances in the credit underwriting process Undertake comprehensive opportunity capturing while conducting credit assessment Keep a focus on creating high quality portfolio Manage the complete life-cycle of loan process, through credit application till disbursement Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning Ensure post disbursement documents and covenant management Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks Educational Qualifications: Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience. Experience: Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred Should have an analytical bend of mind Basic knowledge of financing and financial statement Collaborative and orientation to work in cross functional teams Should have an orientation to learn Conceptual understanding of risk and risk mitigation strategies BasicOrientation for business and analytical acumen Basic understanding of financial analysis, balance sheet and profit and loss accounts Ability to assess impact of policies, rules and regulations on portfolio Strong communication (both oral and written) and negotiation skills Attention to detail Exposure to analytics would be an added advantage Ability to articulate own point of view

Tata Consultancy Services is hiring for Individual Contributors - Credit Analyst across multiple location. Please go through below norms and apply only if its applicable. Job Role: Credit Analyst Experience: Minimum 8+ years of relevant experience in Corporate Banking, FIG, and Middle Market Corporate Credit Location: Bengaluru, Gurgaon, Mumbai and Pune Job Description of Credit Analyst: 8-15 years of relevant experience; in Corporate Banking, FIG/Corporate & Investment Banking with Credit Decisioning Specialist or Approval of Corporate Lines of Credit Underwriting & Credit Decisioning/ Credit approval authority for Corporate Loans is a must. Underwrite mid to large corporate loans cases and present them to senior level. Credit Decisioning and Credit Risk approvals are the key responsibilities. Prepare, finalize review of credit memos as part of Core Credit Underwriting, and approval/ decline signoffs on every credit memo after checking for documentation requests. Authorize deviations raised and documented by underwriters in compliance with credit policy. Sound knowledge of financials, cash flow, leverage & liquidity analysis, credit quality, assigned value risk analysis. Eligibility: Any full-time graduate who has experience in Corporate & Commercial lending, FIG/Corporate & Investment Banking. Willingness to work in UK Shifts Candidates who have attended the selection process in the last 6 months will not be eligible to apply again.

About The Role : Job title:Lead Analyst- Investment Management- PHG Band:B3 -Lead Analyst Location:Gurugram / Bengaluru Experience Range:5 to 7 years Shift Timings-:2:00 PM - 11:30 PM IST Job Summary We are seeking a highly motivated Investment Management Analyst to join our Private High Grade (PHG) team. As an integral part of our team, you will gain exposure to a diverse portfolio of Private Credit investments and play a pivotal role in underwriting, monitoring, and managing these deals for our institutional clients. ncepts and the ability to critically implement them. Responsibilities: Deal Management:Collaborate closely with PHG Deal Analysts to assist in investment management and monitoring activities for the deals. IC Memos:Support the deal team in updating Investment Committee approval memos, ensuring a comprehensive understanding of each deal's intricacies. Term sheets:Analyze closing documents such as credit agreements, indentures and note purchase agreements and set up processes for analyzing and monitoring the deal post-closing. Due Diligence:Perform pre-deal due diligence to assess risk and investment potential. Surveillance and Reporting:Update surveillance data and create one-pagers for presentations to senior management for both Public and Private deals. Cashflow Modeling:Develop and update cashflow models for PHG deals. Monitor key metrics to assess risk and expected returns. Projection Models and Sensitivity Analysis:Create and update projection models and run sensitivity analysis to judge the performance of the deal. Sector-Level Analysis:Update monthly sector-level presentations and pro-actively highlight potential issues to senior management. Covenant Monitoring:Continuously monitor covenants and key performance indicators (KPIs) at the deal level, thereby assist the Business Analytics team to run portfolio-level analysis. Ad Hoc Projects:Undertake multiple ad hoc projects as requested by senior management to assess the impact of macro events. Client request/ Compliances:Ensure compliance with investor requirements from an investment management perspective. Data and Tools:Leverage advanced tools such as Python for in-depth analysis. Utilize Tableau for enhanced data visualization. Skills Required: MBA in Finance, CFA, or CA qualification. Experience in analyzing Corporate Credit Analysis is a plus. Strong analytical and quantitative skills. Proficiency in Microsoft Office tools (MS Excel, MS PowerPoint, and MS Word). Ability to summarize complex information succinctly and efficiently. Excellent written and verbal communication skills. Ability to manage multiple projects in a fast-paced environment. Detail-oriented with a commitment to accuracy and precision. Ability to work independently and collaboratively while demonstrating high sense of ownership and accountability. Thorough understanding of basic financial concepts and the ability to critically implement them.

Employment Type: Fulltime 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 Coordinate 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 Show more Show less

Credit Analysis (Associate/ Sr. Associate/ Delivery Lead/ Manager) Job location - Pune (Work from office) Role & responsibilities Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of mid-large corporates. Managing a portfolio of clients and handling rating assignments. Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc). Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client. Preferred candidate profile Strong understanding of credit principles, policies and regulations. Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree. Excellent written & verbal communication skills and ability to build effective relationships with various stake holders. Ability to multi-task independently under tight timelines and eye for details. 5 - 10 years relevant experience

Prepare credit appraisal memorandum for approval Portfolio quality management to ensure lower delinquency ratio Maintain productivity and TAT as per prescribed norms Personal Loan/Home loan/LAP/term loan relevant CPA experience 3-4 Years Knowledge about CIBIL

Skill required: Ret.Bkg- Credit UW - Banking Operations Designation: Banking Operations New Associate Qualifications: BCom/BCA 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 You will be aligned to our Financial Services and banking sector by helping the client on lending Residential Mortgages to qualified borrowers.You will be working as a part of Lending operations team which requires validation on Credit, Income, Asset & Collateral documents in line with the client credit policy, procedures, and turnaround times.The mortgage team focuses on lending home mortgages to the qualified borrowers by complete validation of required documents. The role requires a good understanding of credit analysis, financial analysis, onshore collaboration and document evaluations. What are we looking for Ability to work well in teamCommitment to qualityExcellent analytical and problem-solving skillsDetail orientationWritten and verbal communicationProficient in relevant software applications, such as Microsoft Office and financial analysis tools 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 USA shift which operates between 06:00PM to 03:30AM IST. Qualification BCom,BCA

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years Language - Ability: English(Domestic) - Proficient 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.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Looking for bcom background graduates.Looking for bcom background graduates. 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

Role & responsibilities: 1. Credit Assessment & Underwriting : Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine creditworthiness. Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making: Approve loan applications within the designated authority limit and recommend higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management: Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit: Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management: Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies: Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills.

Role & responsibilities Handling Credit operation from Login to Disbursement Credit Decision Making and forwarding Proposals for Business . Handling Credit and Operational issues Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Mortgage loans and maintaining TAT. Taking care of audit queries and maintaining good audit score. Taking care of collection of Front-end cases and maintaining branch portfolio Preparing MIS, Collection reports on daily basis and Weekly review reports Assisting customers with queries, requests & complaints. Preferred candidate profile Graduate 3 - 4 yrs experience. Good communication and pleasing personality. High level of Self Drive/Enthusiasm. Thanks & regards, Naveen HR 8610405856 HDB financial services pvt ltd

Role & responsibilities Handling Credit operation from Login to Disbursement Credit Decision Making and forwarding Proposals for Business . Handling Credit and Operational issues Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Mortgage loans and maintaining TAT. Taking care of audit queries and maintaining good audit score. Taking care of collection of Front-end cases and maintaining branch portfolio Preparing MIS, Collection reports on daily basis and Weekly review reports Assisting customers with queries, requests & complaints. Preferred candidate profile Graduate 3 - 4 yrs experience. Good communication and pleasing personality. High level of Self Drive/Enthusiasm. Thanks & regards, Naveen HR 8610405856 HDB financial services pvt ltd

•Credit appraisal and credit recommendations of Business proposals •Due Diligence in Evaluation, underwriting and sanctioning of the loan. •Monitor and enforce approval rate and TAT as per prescribed standards. •To ensure Bounce Rate and Delinquency are within acceptable standards. •Extensive review of the portfolio ensuring control on delinquencies, frauds, losses to the organization and taking timely preventive and corrective actions. •Monitor and ensure that monthly Branch audit score is satisfactory. •Give training on policy update to sales, credit and channel partners. •Vendor management and process implementation.

Hiring for the role of Credit Manager Product: Personal Loan Evaluate credit operational market and other branch-level risks Address risks in processes, systems, and staffing; develop contingency plans Interested can call or send resume 9592809025

URGENTLY HIRING! ROLE SUMMARY: The role holder is responsible for assisting Senior Relationship Manager in increasing sales and revenue through management of new and existing clients by selling /cross-selling wholesale banking products and services to large corporate clients. KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities N/A Core Responsibilities: Market Assessment and Business Development Conducts market research to understand consumers, competition and current market conditions to help identify new business opportunities. Participates as and when required in meetings with key customers, promoters, prospective customers to understand customer needs and use that information to propose possible solutions. Works towards maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth. Leverages opportunities to manage complex relationships independently, under the overall supervision of Senior Relationship Managers/Team Leaders. Revenue Generation Identifies new sales opportunities and leveraging a knowledge sector driven relationship approach to enhance sales and revenue generation through new and existing customers for achievement of established targets and objectives. Targets product/ industry specific business opportunities leading to achievement of the budget and ensures seamless coordination between customer & relationship manager. Portfolio Management and Deal Structuring Works independently and under the supervision of Senior Relationship Managers/Team leaders in structuring and restructuring of deals to ensure they effectively address the clients financial requirement. Conducts research and collates necessary data for preparing credit proposals in line with customer requirements. Coordinates with CAD and other relevant stakeholders to ensure proposals/ approvals are approved and followed up in an efficient and timely manner. Credit Appraisal Credit Assessment and CAM preparation through detailed analysis Works in close coordination with key stakeholders from Risk Management to ensure adherence to established credit guidelines. Documentation and Compliance Completes all documentation and CRM updation to ensure adherence to established guidelines and maintenance of highest quality standards of documentation, client communication, process compliance. Works in close coordination with relevant BUs to ensure smooth and quick turnaround of transactions as and when required. Self-Management Responsibilities Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. Understands the competencies relevant to his/her role and works towards displaying as well as developing these effectively. Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks. Risk and Internal Control Responsibilities Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager. Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary. KEY INTERACTIONSKey Internal InteractionsPurpose of Interaction Risk Management For coordinating on aspects related to risk management in various deals on a monthly basis to ensure adherence to risk and regulatory framework/ guidelines CMS For coordinating on all technology related aspects related to client interface CAD For coordinating the issue of FL and understanding the changes needed in CAM TBG For ensuring that customer have smooth transaction experience Key External InteractionsPurpose of Interaction Customers For building and maintaining relationships, seek out new business opportunities and understanding the financial needs of the customer to provide suitable solutions Nature of Experience Prior experience in BFSI sector/General industry in Relationship managers role or prior experience as Credit Analyst in financial services industry with a zeal for relationship management COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL COMPETENCIESCore CompetenciesCompetency NameBehaviors Customer Focus Listens to and demonstrates an understanding of customers stated and unstated needs Delivers customer value through timely and quality execution of tailored customer solutions 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 responsibilities 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 implication for own role / action Displays a sense of urgency to deliver outcomes as per stated timelines Reacts to challenges by displaying optimistic demeanor Influence and Impact Uses simple persuasion techniques to achieve the desired result / action / commitment from others Responds to stated requirements of internal / external stakeholders by keeping a solution oriented mindset Quality Focus Ensures adherence to quality standards in work / service delivery, identifies opportunity for improvement in routine course of work Adherence to laid down system and procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-4 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit management strategies. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Strong knowledge of credit management principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in financial modeling and data analysis tools. Experience working with small finance banks or similar institutions is preferred.