41 Credit Approval Jobs - Page 2

A challenging opportunity with a leading MNC in Guwahati location. Industry: BFSI Position Title: Regional Credit Manager Location: Mumbai Product Experience Preferred: Car Loan, Auto Loan, or CV Loan Roles and Responsibilities: Manage a team responsible for credit appraisal and approval of Auto loans or CV Loans. Conduct thorough credit analysis, assessment, and risk evaluation to ensure timely decision-making. Develop and maintain strong relationships with dealerships across India to drive business growth. Ensure compliance with regulatory requirements and internal policies related to credit management. Collaborate with other departments (e.g., sales, operations) to resolve customer queries and issues. Desired Candidate Profile: 7-10 years of experience in Auto Loans or Commercial Vehicle Loans or similar roles within the BFSI industry. CA/ICWAI qualification preferred; MBA/PGDM from a reputed institution also considered. Strong understanding of credit underwriting principles, policies, and regulations governing auto loans/commercial vehicle finance. If this opportunity matches your caliber, then apply for this opportunity. Our team will connect you post the initial screening process.

A challenging opportunity with a leading MNC in Guwahati location. Industry: BFSI Position Title: Regional Credit Manager Location: Guwahati Product Experience Preferred: Car Loan, Auto Loan, or CV Loan Roles and Responsibilities: Manage a team responsible for credit appraisal and approval of Auto loans or CV Loans. Conduct thorough credit analysis, assessment, and risk evaluation to ensure timely decision-making. Develop and maintain strong relationships with dealerships across India to drive business growth. Ensure compliance with regulatory requirements and internal policies related to credit management. Collaborate with other departments (e.g., sales, operations) to resolve customer queries and issues. Desired Candidate Profile: 7-10 years of experience in Auto Loans or Commercial Vehicle Loans or similar roles within the BFSI industry. CA/ICWAI qualification preferred; MBA/PGDM from a reputed institution also considered. Strong understanding of credit underwriting principles, policies, and regulations governing auto loans/commercial vehicle finance. If this opportunity matches your caliber, then apply for this opportunity. Our team will connect you post the initial screening process.

Location : Chennai, Coimbatore, Trichy, Madurai, Tirunelveli, Chidambaram, Salem Role & responsibilities Evaluate Credit Applications : Review and assess the credit applications identified the potential borrowers to determine their creditworthiness. Conduct Financial Analysis : Analyze the financial documents, including income statements, balance sheets, and other relevant information, to assess the borrowers repayment capacity. Risk Assessment : Evaluate the risks associated with lending to each customer, considering factors such as credit history, market conditions, and the borrowers ability to repay. Approval or Rejection : Based on the assessment, either approve or reject credit applications or forward them to senior management for higher approval. Ensure Loan Disbursement : Ensure timely and accurate disbursement of loans in accordance with the approved credit terms. Document Verification : Oversee the verification and proper documentation of loan agreements, collateral, and all necessary legal and financial documents. Post Disbursement : Ensure End-use of Loan Proceeds and Asset Creation. Monitor Loan Portfolio : Continuously track the performance of the branches credit portfolio, ensuring that loans and credits are performing as expected. Identify Early Warning Signs : Identify and monitor early signs of credit risk, such as delayed payments, declining customer financial health, and external economic factors that may affect repayment. Portfolio Review : Regularly review the portfolio for any necessary adjustments, refinancing, or restructuring of loans based on performance and risk levels. Collaterals and Security : Ensure that adequate collateral or guarantees are obtained, assessed, and secured as part of the loan agreement. NBFC Experience Added Advantage Preferred candidate profile Position: Full Time Qualifications: We are currently seeking candidates who hold an UG and Above Qualification for this Position. Candidate's Should have experience in Credit. Excellent organizational skills and attention to detail. Strong supervisory and leadership skills. Time-management skills Ability to handle confidential information Perks and benefits Yearly Bonus Employee Insurance Food & Accommodation PF & ESI Contact Persons : Vignesh R : 8667792138 Janarthanan Coimbatore RHR : 934491327 Venkatesh Chennai RHR : 9994417866 Vadivel Trichy RHR : 9362133141 Gokul Salem RHR : 6382594271 Muthukumar Nellai RHR : 9500343781 Perumal Madurai RHR : 9940995494 Seralathan Chidambram RHR : 9360057304

About The Role : Job TitleVP /AVP- Lending Officer Desk Name/ ManagerLending Asia Location:Mumbai 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. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under child care assistance benefit (gender neutral) Flexible working arrangements Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above 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 How we'll support you Training and development to help you excel in your career Flexible working to assist you balance your personal priorities Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

Roles and Responsibilities Manage a team responsible for credit appraisal, approval, and monitoring across multiple products such as auto loans, commercial vehicle loans, used car loans, equipment finance, PV, new car loans, etc. Oversee the entire credit lifecycle from application to disbursement. Develop and implement effective credit strategies to minimize defaults and maximize recoveries. Collaborate with cross-functional teams to identify areas of improvement in credit policies and procedures. Ensure compliance with regulatory requirements and internal policies.

Job Position Branch Credit Manager Department Credit Location : Bulandshahr & Shahjahanpur, Uttar Pradesh Reports to Area Credit Manager Grade Deputy Manager Purpose of the role To adhere the process of credit and operations with zero error Responsibilities/ Duties To ensure all PDD and OTCs are closed within defined timelines as per the defined SLAs & TATs of organization. Prepare regular MIS and published time to time according to defined timelines or whenever required. To ensure all deposition of collected fee by the respective branches within defined timelines. To improve the productivity for credit resource in terms of number of files processed Maximize PA FTR for all branches 6. To ensure effective teamwork and maintaining COs teams across his / her region 7. To ensure team's adherence to policies and corporate governance standards at Branch level. 8. To collaborate with Sales and other teams of Branch for seamless operations in day to day and achievement of overall branch targets 9. To pro-actively achieve credit targets with accuracy 10. To ensure TAT for processing each loan application is maintained by the team. 11. To ensure effective resolution of customer issues & complaint 12. To maximize PA FTR for branches and the movement is manageable 13. To ensure zero error cash reconciliation process. 14. To ensure service request resolution is done within the stipulated time. 15. To prepare precise MIS and publish within defined timelines. 16. To ensure all fee collected are deposited by the respective branches within defined timelines. 17. Demonstrate discipline and integrity in the branch. Competencies Team Management, Credit Management, Problem solving, Communication Skills, Language - English, Regional Language and Hindi desirable Computer literate Word / Excel / E-mail / Web based system Experience Minimum 3 7 Years (Preferred from same industry) Qualification Graduate/Postgraduate Age & Social Profile 21-30 years, Male/Female Sourcing (Industry) Home loans segment Salary As per market Standard Note : Interested applicants can share their CVs on navin.singh@shubham.co

Timely cash collection of customer accounts, assessing credit worthiness, minimizing bad debts and ensuring contract compliance and/or recommending legal action Career Level - IC1 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

Timely cash collection of customer accounts, assessing credit worthiness, minimizing bad debts and ensuring contract compliance and/or recommending legal action Career Level - IC2 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

Timely cash collection of customer accounts, assessing credit worthiness, minimizing bad debts and ensuring contract compliance and/or recommending legal action Career Level - IC2 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

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

Business Function Group Human Resources has the important role of attracting, retaining, and nurturing talent to ensure that DBS continues to be a competitive employer in Asia. With a well-established team of HR partners, we support and deliver effective people-based solutions and services across businesses. Our goal is to build a high-performance organisation by empowering and engaging our employees. Because we believe that banking is about people. Responsibilities Conduct risk-based audits of business units to ensure compliance with internal policies and external regulations Review credit approval and monitoring processes for corporate and retail banking clients Evaluate controls over financial reporting and assess compliance with accounting standards and bank policies Requirements Bachelors degree in Accounting, Finance or equivalent discipline 2-4 years of experience in audit or assurance role in a banking environment Strong understanding of banking products including credits, bonds and financial reporting standards Ability to independently plan and execute audits and issue reports on findings and recommendations Attention to detail and strong analytical and problem-solving skills Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.

Greetings from Avani consulting. We are hiring fr Branch Credit Manager Role. for leading finance company. Product: Home loans (english tamil telugu) Location: Chennai Here job description, Role & responsibilities JOB OVERVIEW: The role involves managing and overseeing the credit department of the assigned branch. Responsible for managing credit risks Assessing creditworthiness Making loan decisions Ensuring overall credit portfolio quality Responsible for managing credit policies and risk scoring models Monitoring delinquency. Preferred candidate profile min 2 year experience into HL, Credit underwriting Interested candidates, Kindly send resume to Uttam, In whatsapp 9949101406 in mail - uttam@avaniconsulting.com

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 skills 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 staff 5. 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 closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles 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 & retention External 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:36 ‚ Number of Direct Reports:2 to 4 ‚ Number of Indirect Reports:NA ‚ Number of Outsourced employees:25 to 36 ‚ Number of locations:4 to 7 ‚ Number of products:1 i.e. Two Wheeler Finance Required Qualifications and Experience SKILLS 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 Skills. Excellent command over communication skills. Highly ambitious & self-motivated

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 . 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. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework 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. 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 Arrange for Credit programs and training within companys 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. Authorize deviations raised and documented by underwriters in compliance with credit policy. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Manage end to end credit approval for the designated zone. 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. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Develop cross functional collaboration to smooth business and ensure quick TAT Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems

Credit Manager- Business Loans LAP 4 months ago Jodhpur | Pune View Details FUNCTIONAL REQUIREMENTS: Responsible for assessing cases sourced by the Sales team in line with the credit policy, and determining deviations and exceptions. Handling credit underwriting of working capital/channel finance/term loan cases in the mapped region. Conducting on sight/Call-based based Due Diligence. Prepare Credit Approval Memorandum (CAM) as per policy and discuss the same with the Senior Credit/Underwriting Manager. DESIRED SKILLS: CA Fresher or up to 1 yr experience can also apply Prior work experience of up to 2 years in Credit Underwriting preferable in Loan Against Property (LAP) or Business Loans will be preferred

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