217 Credit Approval Jobs

Timely cash collection of customer accounts, assessing credit worthiness, minimizing bad debts and ensuring contract compliance and/or recommending legal action. You will assist in the collection, management, and resolution of outstanding invoices from past due accounts Collect overpayments from current and former employees Work with departmental managers to eliminate root cause of overpayment Interfaces with sales support, accounts receivable, and directly with the customer to determine the ability to pay, communicate contractual specifications, and enforce remedies in reconciling accounts Manage portfolio of accounts including delinquency, write-offs, credit memos, and additional interest Conducts pre-sale credit risk evaluation, prepares recommendations, and makes credit approval decisions on new accounts Recognizes deteriorating credit situations recommending and implementing solutions Prepares collection reports

About The Role Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Job Role: Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Job Requirements: Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

Were Hiring: Credit Manager @CredFlow At CredFlow, our lending arm is reshaping credit access for SMEs in India. And now were looking for a Credit Manager to drive underwriting and disbursal. This is a key role with full ownership of credit underwriting, loan processing, and coordination with lending partners. Location: Noida, Sector 3 Key Responsibilities: Conduct detailed credit appraisal and underwriting for high ticket size unsecured business loan applicants Process loan applications and ensure policy compliance Coordinate with NBFCs/banks for loan fulfilment and documentation Ensure stringent compliance with KYC, AML, and other regulatory requirements Monitor credit performance and highlight risk factors Drive process improvements within credit operations Support policy refinement through data analysis and partner feedback What Were Looking For: 2-7 years of experience in credit operations or underwriting (Only unsecured business loan experience preferred) Strong understanding of MSME lending and unsecured credit products Proven ability to work independently with cross-functional teams as needed Analytical, detail-oriented, and communicative Bonus: Familiarity with lender APIs, LOS/LMS systems #Credit Manager, #Credit Underwriting, #Loan Processing, #Business Loans, #Unsecured #Business Loans, #MSME Lending, #SME Lending, #Credit Operations, #Credit Appraisal, #Risk Assessment, #Loan Disbursal, #Loan Fulfilment, #NBFC Coordination, #Banking Partnerships, #KYC Compliance, #AML Compliance, #Regulatory Compliance, #Credit Risk

Formation Supporting execution of lending strategies across home loans, personal loans, business loans, and investment products. Assisting in setting up lending-specific customer journeys and contributing to ramp-up of multi-channel sales processes. Building product knowledge in lending lines by understanding credit policies, documentation, processes, and compliance requirements. Collaboration Coordinating with cross-functional teams (Credit, Operations, Marketing, Product) to support effective lending acquisition models. Supporting initiatives to increase customer lifetime value in lending products and contributing to customer portfolio consolidation. Engaging with lending SPOCs and internal stakeholders to ensure smoother underwriting and faster turnaround times. Sales Driving execution of sales strategies for lending products by supporting frontline sales teams with tools and enablers. Coordinating incentive and payout structures for lending sales teams in alignment with HR and finance. Providing sales teams with data-backed inputs on lead quality, approval ratios, disbursement trends, and portfolio performance. Analysis Conducting competitor benchmarking in lending (home loans, PL, BL, LAP) to track products, pricing, and best practices. Monitoring and providing feedback on CRM and LMS usage for lending sales and ensuring issues are resolved quickly. Supporting process improvements to simplify customer onboarding, document collection, and credit approval in lending channels.

Affordable housing loan gram panchayat and Gautham property knowledge must. • Visiting business premise, property of customer at the time of PD in HL/Lap • Ability to understand customer business and requirement from their perspective Required Candidate profile Male Graduate with 2 - 5 years’ experience underwriting and sanction of home loan/LAP Understanding credit worthiness of customers observation & findings of PD gram panchayat and Gautham property

About The Role Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Job Role: Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Job Requirements: Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

Are you seeking an exciting opportunity to become a part of a dynamic and rapidly growing team within a fast-paced and challenging environment As the Lead Credit Risk - Vice President within the Risk Management and Compliance team at JPMorgan Chase, you will play a pivotal role in ensuring the strength and resilience of the organization. Your expertise will be instrumental in facilitating responsible business growth by proactively identifying and addressing emerging risks, while utilizing your expert judgment to tackle real-world challenges that have an impact on our company, customers, and communities. Our team places a high value on innovative thinking, challenging conventional practices, and aspiring to achieve excellence in every aspect of our work. Key Responsibilities: - Supervising and managing an assigned portfolio of institutional and corporate clients spanning various industries. - Leading the due diligence, structuring, and documentation processes for transactions. - Conducting in-depth credit analysis, supported by comprehensive financial modeling, to gain insights into clients" industries and the primary business and financial risks they encounter. - Exercising a significant credit approval authority. - Collaborating closely with transaction stakeholders, including client coverage and product bankers, credit executives, and legal advisors. - Reviewing diverse credit and regulatory reporting obligations. - Mentoring and nurturing junior CIB Credit Risk team members. - Monitoring market and industry trends and their implications for clients. - Providing recommendations and overseeing internal credit ratings. - Supporting the team with various ad-hoc initiatives and workstreams. Required Qualifications, Skills, and Capabilities: - Minimum of six years of experience in a credit risk or credit analysis role within corporate, institutional, and/or investment banking. - Proficiency in conducting comprehensive credit risk analysis encompassing both qualitative and quantitative aspects. - Sound understanding of products within Australian debt markets and derivatives, as well as related documentation. - Ability to proactively identify key issues and concerns related to clients, their industries, and transaction structures. - Excellent written and verbal communication skills, along with strong interpersonal abilities. - Demonstrated proficiency in time management and clarity of thought when managing multiple work streams in a fast-paced setting. - Capacity to build relationships and effectively engage with origination teams and other internal stakeholders. - Advanced skills in MS Excel, enabling efficient navigation through financial models, and proficiency in other MS programs such as PowerPoint, Word, and Outlook. - Bachelor's degree or postgraduate qualifications in accounting, business, finance, or a quantitative-related discipline.,

Key Responsibilities: To give effective credit support for meeting business targets. To frame the lending policy framework, processes, and workflow, and assist in setting up the mortgages business in India. To approve credit applications judiciously as per the Delegation of Authority (DOA). Ensuring that the quality of the Bank s exposure in India is acceptable at all times. Provide guidance to the team of relationship managers on areas of policy and processes. Expected productivity is 15 to 20 Project Deliverables (PDs), which consist of around 50 to 60 visits. Requirements: 6+ years of experience in Credit Underwriting with an overall experience of 10 years. Underwriting skills in Financial and Self-Assessment Method with Analytical skills about Customer Profile/Business. To give effective credit support for meeting the business targets. To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India.

About The Role Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Job Role: Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Job Requirements: Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

About The Role Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

Business/Team Description Deutsche Banks Lending Asia is a well-established team of professionals involved in providing customized and standardized liquidity solutions specifically designed to address theunique and complex needsofultra/highnet worth individuals. Its team members are based across Mumbai, Hong Kong, and Singapore. Your key responsibilities Team Lead Lead the local team of credit analysts and liaise with senior onshore desk heads/counterparts on a regular basis, while managing own set of deliverables Build and develop the local team in terms of skillsets and Book of Work Initial financing enquiries and live execution Financial Analysis of underlying companies and/or collateral. Depending on each enquiry/transaction, including but not restricted to Credit fundamental analysis, analysis of financials, comparable company, valuation analysis, financial modelling As required, general industry overview that relates to the financing enquiry/ transaction Research on sponsors/clients Transaction writeup and internal transaction presentation Collation of relevant research reports, including ratings report to the extent applicable Commercial, business and financial due diligence in a live transaction Preparing/assisting in credit approval analysis and addressing Risk Management queries Post transaction Monitoring transaction covenants (eg financial covenants, information needed on a periodic basis) Transaction amendments and credit renewal process Others Timely input of new/to-be-renewed credit files and risk ratings into the lending digital platform, for onward credit approvals Participate in system testing Potential ad hoc projects Private bank/ Wealth Management experience would be preferable Experience in change management and process improvements initiatives would be helpful for candidate to succeed in the role Your skills and experience Education and Experience: Key Competencies: Prior experience in managing and leading a team with similar skillsets Comfortable with leading a team alongside managing own tasks and responsibilities Prior experience of credit analysis with a strong knowledge of Lending business Highly motivated person with initiative, willing to learn and actively blend with his/her onshore and offshore colleagues. Superior analytical aptitude, problem solving abilities and excellent communication skills Strong understanding of finance with ability to analyze financial statements Team player, Fast thinking, dynamic and a strong work ethic Experience of at least 10 years in a financial institution in a similar role would be preferred Attention to detail and high level of motivation.

As an Underwriter for corporate finance business in the assigned area, your primary responsibility will be to manage the portfolio and support business teams in handling end-to-end credit approvals for the designated region. You will collaborate with the business teams to underwrite cases and present them to senior management for approval. You will be required to authorize deviations raised and documented by underwriters in compliance with the credit policy. Additionally, finalizing the review of credit memos prepared by underwriters and providing approval or decline sign-offs on every file after ensuring documentation requests are met will be part of your duties. Approving all disbursement requests based on adherence to agreement value requirements and full documentation attainment at the branch level will be crucial. Monitoring and overseeing the management of Pre-Disbursement Documents (PDD), ensuring timely completion through customer visits in high-value cases, will also fall under your purview. Your role will involve initiating follow-ups with external vendors such as FI, Legal & Technical valuations to ensure timely query resolution/report submission and eliminate any undue delays. You will also coordinate with the recoveries team to generate business insights. Leading a team of credit approvers to ensure portfolio quality and manage delinquencies effectively will be an essential part of your responsibilities. Engaging in the development, implementation, review, and monitoring of various credit programs, providing training, and coaching to upgrade the team's competency will be necessary for improving processing efficiency. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans is a critical aspect of the role. You will be expected to evolve underwriting norms tailored to local market needs and continuously enhance the consumer credit risk strategy. The ideal candidate for this role should possess an MBA/PGDBA/PGPM/CA or an equivalent qualification.,

About The Role Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Job Role: Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Job Requirements: Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

Regional Manager - Lifestyle Finance/Senior Regional Manager - Lifestyle Finance Job Purpose This position is open with Bajaj Finance ltd.First link of management between the executors i.e. field staff and management. An effective communicator with exceptional relationship management s with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. Duties and Responsibilities PRINCIPAL ACCOUNTABILITIES(Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (On roll and Off roll) Hiring, Retention & Productivity. Responsible for empanelment of new dealers and resource allocation. Ensuring process & documentation compliance, FI, agreement execution & credit approval. Hiring, training & development of sales team to achieve targeted numbers. Responsible for tracking, managing & controlling PDD requirement compliance Understanding of CRM Salesforce.com. Effectively engage with Credit, Operations & Risk teams. To ensure TAT is maintained for case processing. Managing and motivating the sales team towards achieving targets Conduct dealer events and competitions. Design and launch the competitions, identify winners and conduct recognition events 4. MAJOR CHALLENGES(Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee well in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of On-roll & Off-roll staff5. DECISIONS(Key decisions taken by job holder at his/her end) Hiring of On-roll & Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure6. INTERACTIONS(Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job)Internal ClientsRoles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department i.e. product, credit, Ops, RCS & compliance to process the file. Connect with HR department for hiring & retentionExternal Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition.7. DIMENSIONS(Key numerical data which will reflect the scope and scale of activities concerning this job)Financial Dimensions(These should be quantifiable numerical amounts) From 200 to 250 Cases MOM (depending upon location and market potential)Other Dimensions(Significant volume dimensions associated with the job)Total Team Size: 36Number of Direct Reports: 2 to 4Number of Indirect Reports: NANumber of Outsourced employees: 25 to 36Number of locations: 4 to 7Number of products: 1 i.e. Two Wheeler Finance Required Qualifications and Experience Educational Qualifications Qualifications Graduate / Post Graduate Good command in excel is essential. Work Experience 3 to 5 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers & colleagues across the company. Excellent Team management & Interpersonal s. Excellent command over communication s. Highly ambitious & self-motivated

Regional Manager - Lifestyle Finance/Senior Regional Manager - Lifestyle Finance Job Purpose This position is open with Bajaj Finance ltd.First link of management between the executors i.e. field staff and management. An effective communicator with exceptional relationship management s with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. Duties and Responsibilities PRINCIPAL ACCOUNTABILITIES(Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (On roll and Off roll) Hiring, Retention & Productivity. Responsible for empanelment of new dealers and resource allocation. Ensuring process & documentation compliance, FI, agreement execution & credit approval. Hiring, training & development of sales team to achieve targeted numbers. Responsible for tracking, managing & controlling PDD requirement compliance Understanding of CRM Salesforce.com. Effectively engage with Credit, Operations & Risk teams. To ensure TAT is maintained for case processing. Managing and motivating the sales team towards achieving targets Conduct dealer events and competitions. Design and launch the competitions, identify winners and conduct recognition events 4. MAJOR CHALLENGES(Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee well in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of On-roll & Off-roll staff5. DECISIONS(Key decisions taken by job holder at his/her end) Hiring of On-roll & Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure6. INTERACTIONS(Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job)Internal ClientsRoles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department i.e. product, credit, Ops, RCS & compliance to process the file. Connect with HR department for hiring & retentionExternal Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition.7. DIMENSIONS(Key numerical data which will reflect the scope and scale of activities concerning this job)Financial Dimensions(These should be quantifiable numerical amounts) From 200 to 250 Cases MOM (depending upon location and market potential)Other Dimensions(Significant volume dimensions associated with the job)Total Team Size: 36Number of Direct Reports: 2 to 4Number of Indirect Reports: NANumber of Outsourced employees: 25 to 36Number of locations: 4 to 7Number of products: 1 i.e. Two Wheeler Finance Required Qualifications and Experience S AND KNOWLEDGE(Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent)Educational Qualifications Qualifications Graduate / Post Graduate Good command in excel is essential. Work Experience 3 to 5 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers & colleagues across the company. Excellent Team management & Interpersonal . Excellent command over communication . Highly ambitious & self-motivated

Job Title: Business Development Manager Car Loan Sales (Used & New Cars) Location: Ahmedabad, Gujarat Company: Dealing in auto loan ( new car and used car) CTC: Up to 12 LPA depends on Interview Job Description We are looking for a Business Development Manager to drive used car loan and new car loan sales in Ahmedabad. The role involves leading a team, managing dealer relationships, ensuring customer delight, and achieving sales & portfolio growth targets. Key Responsibilities Drive monthly business targets for new & used car loans through Finance Executives. Develop and maintain strong dealer & distributor relationships to generate sales. Train and motivate team members on new product launches, sales strategies, and organizational objectives. Ensure high-quality customer service and provide financial solutions tailored to customer requirements. Coordinate with internal teams (Credit, Collections, Operations) for seamless loan processing and customer support. Manage portfolio mix, delinquency control, and timely dealer payouts . Roll out special schemes with dealer sales teams to drive incremental business. Key Requirements Education: Graduate (MBA/PGDM preferred). Experience: 36 years of sales experience in Auto Loans (minimum 3 years in Used Car Loan / New Car Loan sales). Strong knowledge of auto loan business, dealer handling, and customer financing. Excellent team management, communication, and negotiation skills . Customer-first mindset with strong relationship management ability. Perks & Benefits Competitive CTC up to 12 LPA. Opportunity to work with a leading global auto-finance brand . Career growth in sales & business development leadership. Designation: Assistant Manager / Deputy Manager / Manager (G12/G11/G10) Department: Sales Business Enhancement (Auto Loans) How to Apply: Apply directly via Naukri.com or share your CV at simran.goyal@in.experis.com

ROLEPURPOSE & OBJECTIVE Underwrite Micro Mortgage in both SFB and URC branches Sanctionor recommend loans up to Rs. 10 Lakh with proper justificationbased on the product features and credit policy matrix Ensurecredit policies and processes of secured products of Micro /Rural banking vertical are followed effectively by branch staff Coordinatewith legal and technical vendors for their expert opinion reports EnsureLegal opinion and technical valuation reports are interpretedproperly while sanctioning these secured loans Interpretationof Property documents (Residential/commercial property), aware ofthe property value as per market and government value for LTV Conductthe risk assessment of the customer as per the defined scoringmatrix for the products Visitthe customer residence place and business / activity place toassess the financial parameters SIZEOF THE ROLE FINANCIALSIZE NON-FINANCIALSIZE 15Cr asset portfolio at a cluster level to be managed Managemonthly disbursement of 1.25 Cr 25Credit files processed in a month for a cluster Underwritingand approving proposals based on credit parameters andeligibility criteria Co-ordinatewith business team for smooth flow of business and quick decisionmaking. KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Underwrite Micro Mortgage in the field through thorough assessment and personal discussionwith borrower and / or co-borrower UnderwriteIL loans in SFB and URC branches to understand the geography andsegment Sanctionor recommend secured loans up to Rs. 10 Lakh with properjustification as per product features, credit policy and based onapproval rights Conductfarm lands, business place, office, and residence verification ofthe applicants based on the product and purpose of the loan Assessrepayment capacity, character and cash flow of the applicant. Conductreference checks with customers /suppliers / vendors / dealers. Ensurecollection of relevant and proper documents. Ensure adherence tointernal and regulatory policies / compliances like KYC etc. Understandthe nature of collateral security, ensure the collateral offeredis free from all the encumbrances, having clear title andmarketability, the charge creation of the bank on the propertyshould be exclusive first charge. ObtainLegal opinion and valuation reports on the collateral offered assecurity, should clearly advise type of mortgage to be created onthe security in the sanction Decisionwhether to approve or reject the files appraised by the sales /distribution team through thorough verification of the documentsand assessment by the appraiser of the loan. Captureproper reasons of rejections and communicate the same to branchteam in case of rejections Escalatedeviations for necessary approval as per the deviation matrix.Observe for triggers in documents and escalate documents withissues to FCU team. Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix Responsiblefor portfolio quality of the loans underwritten for 12 MOB. Review/renewthe accounts before expiry of the limit through coordinating withDistribution team Ensureweekly and monthly productivity with respect to personaldiscussions, quality check of applications, sample visits andchecks etc. Monitoringrejections from field, guide the branch staff to control the sameand ensure higher number of Straight through applications frombranches. Report/Escalate critical issues at field for necessary action as perpenalty matrix and ensure compliance of Audit issues. ConductLoan Utilization Checks for the recent disbursement cases as perpolicy. Ensureto participate and drive the successful implementation of technology based projects at backend and field Engagein collections for recovery, follow up for Incremental overduesand non-starters Ensuressuccess and growth of these products by adhering to definedpolicy and process for loan approval Customer Ensurescustomer satisfaction by processing of loan applications withinthe TAT defined Understandcustomers need & repayment capacity & makeappropriate loan decisions and recommend right product and loanamount to right customer Ensurethat credit responds to branch & customers queries and issuestimely, thereby ensuring good service to customers throughefficient processing of applications Co-ordinatewith Legal and technical vendors for quick response on theproperty documents Coordinatewith FCU team or agency for their reports Ensurecustomers documents are kept safe till they are handed over toconcerned authority Coordinatewith Operations for loan booking, safe keeping of the customerdocument etc. Undertakevisits in other financial institutions for timely resolution ofissues relating customer or staffs of other institution Engagewith customer for any feedback on the products, policy andprocess Internalprocess Ensurecredit policies and processes are followed effectively bysourcing staffs Ensureadherence to all regulatory norms with respect to KYC &Documentation, Customer Selection and Sanctioning of loans Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix Ensurelegal opinions are clearly understood and necessary action takenbased on the legal opinion Ensurecompleteness of post disbursement documents, follow up for ifgaps any Reviewbranch working areas, negative areas, no-go areas and negativecustomer list Ensurethat the Issue/ deviations / policy/ process violation areescalated appropriately to the concerned department andsupervisors for implementation of penalty matrix. Attendaudit closure meetings to understand identified issues & takenecessary corrective measures. Maintainand update activity trackers Personal discussions,Quality check of files shadow visits, sample checks, trainings,LUCs, escalations, deviations, branch errors Learning& Performance Maintainup to date knowledge of all the products and the geography Keepupdated about the regulatory norms for secured products Keepupdated about the property document related policies andprocesses Newproducts being introduced and new systems being adopted to belearnt quickly and to be adopted Networkingwith other NBFCs / Banks to have a deeper understanding of theIndustry and its perspectives Undertakebusiness sub sector study and underwrite cases at field Ensurenecessary feedback is given to supervisors on regular basis aboutthe credit policies, processes and systems for effective andefficient underwriting Improvethe probing skills to identify any issues in the field and reportcritical findings / observations for necessary action Impartingtraining to branch team on Micro Mortgage products credit policies, processes and systems, conductregular trainings on changes / refreshers. Ensuringvisits in branches of other clusters to ensure understanding andlearning through experience Location - Asansol,Bhagwanpur,Contai,Cooch Behar,Hooghly,Kolkata,Midnapore,Muzaffarpur,Purba Champaran,Tamluk

ROLE PURPOSE & OBJECTIVE This role is primarily responsible for underwriting high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower and unsecured loans of the microfinance and rural business vertical The incumbent works on maintainingsuccess and growth of products by adhering to defined policy and process for loan approval and credit policies and processes are followed effectively by sourcing staffs and appraisers. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE IL Disbursement of Rs. 2-3 Cr in a month and manage IL portfolio of 12-15 Cr. Support IL business of 3-4 Branches KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Underwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower. Underwrite both unsecured and secured loans of the microfinance and rural business vertical as below Individual loans Business, Home improvement, Higher Education loans KCC, agriculture and livestock loans Maintains success and growth of these products by adhering to defined policy and process for loan approval. Maintain credit policies and processes are followed effectively by sourcing staffs and appraisers. Conduct business place, office, residence and farm visits of the applicants based on the product and purpose of the loan. Conduct reference checks with customers /suppliers / vendors / dealers. Assess repayment capacity, character and cash flow of the applicant. Maintain collection of relevant and proper documents. Maintain adherence to internal and regulatory policies / compliances like KYC etc. Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Conduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Maintain daily productivity with respect to personal discussions, quality check of applications, sample visits and checks etc as per the set KRA. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Monitoring rejections from field, guide the branch staff to control the same and maintain higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Maintain to participate and drive the successful implementation of technology based projects at backend and field Plan and address issues across Poor, High Risk and Critical branches and maintain good risk management at the branches Maintains PAR and provision are maintained within the budget. Engage in collections for recovery, follow up for Incremental overdues and non-starters Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 months of booking. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Report / escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of audit issues. Maintain to participate and drive the successful implementation of product and technology based projects at field Maintains PAR and Provision are maintained within the acceptable limit/budget. Maintains customer satisfaction by processing of loan applications within the TAT defined Maintain adherence to all regulatory norms with respect to KYC, documentation and sanctioning of loans Maintain up to date knowledge of all the product of the geography Quickly learn of new products and systems being introduced and implement in the field. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector or occupation study and survey of branch working areas. Customer Maintains customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Maintain that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Maintain adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Maintain completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Maintain that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Upgrade self and branch team about changes happening in the market New products being introduced and new systems being adopted to be learnt quickly and to be adopted. Keep updated with SLBC / DLC meetings & annual reports for information on investment on different types of crops for KCC / Agri limits. Keep abreast with ongoing farming operations in the field & market. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Maintain necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action. Ensuring visits in branches of other clusters to maintain understanding and learning through experience

Business Underwrite Micro Mortgage in the field through thorough assessment and personal discussion with borrower and / or co-borrower Underwrite IL loans in SFB and URC branches to understand the geography and segment Sanction or recommend secured loans up to Rs. 10 Lakh with proper justification as per product features, credit policy and based on approval rights Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan Assess repayment capacity, character and cash flow of the applicant. Conduct reference checks with customers /suppliers / vendors / dealers. Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc. Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having clear title and marketability, the charge creation of the bank on the property should be exclusive first charge. Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction Decision whether to approve or reject the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Capture proper reasons of rejections and communicate the same to branch team in case of rejections Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Review/renew the accounts before expiry of the limit through coordinating with Distribution team Ensure weekly and monthly productivity with respect to personal discussions, quality check of applications, sample visits and checks etc. Monitoring rejections from field, guide the branch staff to control the same and ensure higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and ensure compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Ensure to participate and drive the successful implementation of technology based projects at backend and field Engage in collections for recovery, follow up for Incremental overdues and non-starters Ensures success and growth of these products by adhering to defined policy and process for loan approval Customer Ensures customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Ensure that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Co-ordinate with Legal and technical vendors for quick response on the property documents Coordinate with FCU team or agency for their reports Ensure customers documents are kept safe till they are handed over to concerned authority Coordinate with Operations for loan booking, safe keeping of the customer document etc. Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Ensure credit policies and processes are followed effectively by sourcing staffs Ensure adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Ensure legal opinions are clearly understood and necessary action taken based on the legal opinion Ensure completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Ensure that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Keep updated about the regulatory norms for secured products Keep updated about the property document related policies and processes New products being introduced and new systems being adopted to be learnt quickly and to be adopted Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Ensure necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action Imparting training to branch team on Micro Mortgage products credit policies, processes and systems, conduct regular trainings on changes / refreshers. Ensuring visits in branches of other clusters to ensure understanding and learning through experience

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline 1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers.2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework3. Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion.4. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc.5. Arrange for Credit programs and training within company''s credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio.6. Authorize deviations raised and documented by underwriters in compliance with credit policy.7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.8. Co-ordinate with the recoveries team and generate business insights.9. Manage end to end credit approval for the designated zone.10. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB.11. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied.12. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process.13. Develop cross functional collaboration to smooth business and ensure quick TAT14. Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

o Support and co-partner with business teams to manage end to end credit approval for the designated regiono Underwrite for all customer segment for retail and high value cases and present to senior levelo Authorize deviations raised and documented by underwriters in compliance with credit policy.o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.o Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.o Ensure timely completion of personal discussion documents through customer visits if required. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.o Co-ordinate with the recoveries team and generate business insights.o Lead a team of credit approvers to ensure portfolio quality and delinquencies.o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.o Adhere to all norms and regulations required. Qualification: MBA/PGDBA/PGPM or Equivalent in finance

As a Two Wheeler Sales Manager, your primary responsibility will involve managing two-wheeler operations through dealers in the market. This includes empaneling new two-wheeler dealers, DSA, and DST to expand market reach. You will be held accountable for the sales performance and team productivity, ensuring that sales targets are met. Conducting regular training sessions for all channels and team members on products, policies, and market changes is also part of your role. Your role will also involve coordinating business promotional activities with the channels to enhance visibility and drive sales. It will be your responsibility to monitor channels and team members for quality sourcing and maintaining a healthy portfolio. Regular interaction with the credit team to secure business approvals and staying updated on competitor products, policies, and market strategies will be essential. Key Deliverables: - Recruit, train, and motivate the channel sales team to drive sales targets - Guide the channel sales team and facilitate client introductions - Maintain a thorough understanding of all bank products and services to address customer queries effectively - Establish and nurture new customer relationships to boost revenue and account growth Skills and Competencies: - Ability to analyze market trends and identify potential car dealers for collaboration - Strong persuasive skills to present compelling cases to the credit team for approvals - Proficiency in motivating, guiding, and driving channel sales teams towards achieving sales volumes and growth Your role as a Two Wheeler Sales Manager will require a proactive approach towards team management, strategic decision-making, and fostering strong relationships with both internal and external stakeholders to drive business success.,

As a Manager in the Two Wheeler Sales department, your primary responsibility will be to oversee the management of two-wheelers through dealers. This includes the empanelment of new two-wheeler dealers, DSA, and DST in the market. You will be accountable for the sales performance and productivity of your team, ensuring that sales targets are met. Additionally, you will conduct training sessions for all channels and team members on product information, policies, and market changes. Your role will also involve managing business promotional activities with various channels and tracking them for quality sourcing and maintaining a healthy portfolio. You will be required to interact with the credit team to obtain business approvals and stay updated on competitor products, policies, and market strategies. Your key deliverables will include recruiting, training, and motivating the channel sales team, as well as guiding them to achieve sales targets. It will be crucial for you to maintain a comprehensive knowledge of all bank products and services to assist in resolving customer queries. Developing new relationships with customers to increase revenue and accounts will also be part of your responsibilities. To excel in this role, you should possess the ability to assess market trends accurately to track and empanel emerging car dealers. You should also have strong persuasive skills to present a compelling case to the credit team and secure approvals. Motivating, guiding, and driving the channels and team towards achieving volumes and growth will be essential skills for success in this position.,

As a Two Wheeler Dealer Manager, you will be responsible for managing two-wheeler dealers and ensuring their optimal performance in the market. Your duties will include the empanelment of new dealers, DSAs, and DSTs, as well as being accountable for the sales performance and productivity of your team. You will conduct training sessions for all channels and team members on products, policies, and market changes. Additionally, you will oversee business promotional activities with channels and track them for quality sourcing and a healthy portfolio. Interaction with the credit team to obtain business approvals and monitoring competitor products, policies, and market strategies will also be part of your role. Your key deliverables will involve recruiting, training, and motivating the channel sales team, achieving sales targets, guiding the team, and introducing clients to them. It will be essential to maintain knowledge of all bank products and services to assist in resolving customer queries and develop new customer relationships to increase revenue and accounts. To excel in this role, you should possess the ability to assess market trends and empanel emerging car dealers effectively. Strong persuasive skills will be necessary to present compelling cases to the credit team and secure approvals. Furthermore, your leadership skills will be crucial in motivating and guiding the channels and team members to drive volumes and growth successfully.,

As a Credit Risk Manager in the consumer lending industry, you will be responsible for developing and executing credit risk strategies for products like consumer durables or credit cards. Your role will involve defining and optimizing credit approval and credit limit assignment policies. It will be crucial to monitor and ensure adherence to vintage risk levels within the company's risk appetite. You will have the opportunity to leverage alternative data sources such as credit bureau, SDK, telecom, and geo-data to enhance underwriting strategies. Additionally, designing, implementing, and refining application scorecards for effective risk assessment will be a key part of your responsibilities. Extracting, analyzing, and visualizing data to support data-driven decision-making across the organization will also be a significant aspect of your role. Identifying key risk drivers, monitoring trends, and proactively mitigating potential risks will be essential for success in this position. You will collaborate closely with risk systems teams to implement underwriting changes seamlessly. Furthermore, preparing, documenting, and effectively communicating policy updates to relevant stakeholders will be part of your regular tasks. To excel in this role, you should have proven experience in credit risk management within the consumer lending industry. Proficiency in SQL, Excel, and Tableau for data analysis, reporting, and visualization is required to perform the responsibilities effectively.,