162 Credit Approval Jobs - Page 6

We are looking for a skilled Regional Credit Manager to manage all activities pertaining to the sanction life cycle of all borrower accounts in Delhi. The ideal candidate will have 4 to 6 years of experience and support and co-partner with business teams to manage end-to-end credit approval for the designated region. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite for all customer segments for corporate finance products and present to senior level. Authorize deviations raised and documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Lead a team of credit approvers to ensure portfolio quality and manage delinquencies. Develop, implement, review, and monitor various credit programs, providing training and coaching to upgrade team competency and improve processing efficiency. Oversee and initiate follow-ups with external vendors to ensure timely query resolution and report submission, eliminating undue delays. Coordinate with the recoveries team and generate business insights. Travel extensively to oversee branches in the territory to develop business, guide the team, and ensure a quality portfolio. Ensure compliance with all Audit/other regulatory regulations, processes, policies, and reports as per company systems. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in a related field. Possess strong knowledge of credit appraisal, underwriting, and financial services. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in Mid Corporate-Credit Appraisal, located at Prestige Corniche-M4-M6, Bengaluru. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance, financial services, or broking. Possess strong knowledge of credit appraisal, underwriting, and risk management. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines.

Role Description Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same. About Credit Risk Management Function Credit Risk is a centralized risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the banks Enterprise Risk Management framework. Credit Risk enables CRO to strengthen, enhance and improve control of the banks credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the banks capital. Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs, Leveraged Lending, CRE, Project Finance) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DBs exposure in mind. Understand the various banking products (including Trade Finance Derivatives, and complex/structured facilities and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs. Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DBs exposure and timely completion of the credit reviews. Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining DBs underwriting standards, at the same time supporting the Business to achieve agreed targets. Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite while maintaining DBs high underwriting standards Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies. Ensure compliance with relevant and applicable local and global regulatory and policy requirements Part of regional team supporting senior credit officers covering Southeast Asian counterparties. Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting/analysis for Corporates, Financial institutions and Non-bank Financial institutions with understanding of industry risk drivers; established negotiation skills to deal effectively with conflicting priorities & resources. Strong analytical skills, meticulous and strong knowledge of financial markets, economic/industry trends and global risk regulations. Good working knowledge of relevant banking products including Financing, Commercial Real Estate, Commercial Banking, Trade Finance, complex/structured loans and Derivative products. Ability to build strong relationships internally with stakeholders locally, regionally & globally, both functionally and with Front office Business partners.Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance

Key Accountabilities: Underwriting strategy. Assess proposals basis usage. Understand and derive financial trends of applicants. Prepare management OR credit committee level approval proposals. Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies. Adherence to turn around times on customer loan requests, as per the agreed service level agreements Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. Maintain system data quality. Comprehensive profile study and financial analysis and proposal making. Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Team monitoring, mentoring and appraisals. Timely input on policy enhancements and optimization. Knowledge of regulatory reporting on account status and monitoring. Understanding market dynamics and frequent visits to customers. Portfolio monitoring and reporting to management and relevant stakeholders. If this opportunity matches your caliber, then apply for the same. Our team will connect you post the initial screening process.

: In Scope of Position based Promotions (INTERNAL only) Job TitleCredit Risk Officer LocationMumbai, India Role Description Chief Risk Office Vision is to provide industry-leading independent risk management capabilities in an innovative and efficient manner. Deutsche Bank is exposed to a wide range of risks every day. Credit losses, volatility of market prices, operational failures, infrastructure outages, liquidity shortages, and regulatory and legal matters can all have an impact on the banks capital and reputation. The CRO function has Group-wide, supra-divisional responsibility for the management/control of all credit, market, operational & liquidity risks and the continuing development of methods for risk measurement. In addition, CRO function is responsible for monitoring, analysing and reporting risk on a comprehensive basis. CRO function is structured along three core dimensionsbusiness aligned coverage; overarching regional risk management; and risk & control functions. This includes Credit Risk Management, Market & Valuation Risk Management, Liquidity Risk Management; Anti-Financial Crime, Compliance, Non-Financial Risk Management, Business Selection & Conflicts Office, Enterprise Risk Management, Group Strategic Analytics, and Chief Operating Office. About Credit Risk Management Function Credit Risk is a centralised risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the banks Enterprise Risk Management framework. Credit Risk enables CRO to strengthen, enhance and improve control of the banks credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the banks capital. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Credit Officer responsible for reviewing, recommending and approving complex/structured transactions across business units and wide spectrum of products. Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite. Maintain DBs high underwriting standards and drive resolution with business units and key stakeholders. Liaise with clients, interface directly with front office staff and other CRM units on credit approvals, credit requirements and relationship matters Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining DBs underwriting standards, at the same time supporting the Business to achieve agreed targets Perform portfolio reviews to ensure risk are proactively assessed and managed. Drive audit and regulatory agenda as required. Your skills and experience Around 3-4 years of experience in credit / financial risk analysis for Corporates and FIs and at least working knowledge of relevant banking products. Good understanding of credit risk associated with corporate and investment banking products and business; product knowledge including Financing, Commercial Real Estate, Commercial Banking, Trade Finance and Derivative products Corporate and Financial Institution credit analysis skills with understanding of industry risk drivers; established negotiation skills to deal effectively with conflicting priorities & resources Ability to build strong relationships internally with divisional clients locally & globally, as well as internal stakeholders Technically strong, with a good understanding of global risk regulations Educated to Masters degree level or equivalent professional qualification/relevant work experience. Additional qualification in Risk management would be preferred. How well support you 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.

: 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 well offer you 100% reimbursement under child care assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance 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 well support you 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 underwriting, analysis, approval, and policy management. Review and analyze credit proposals from various sources (direct, indirect) to assess risk. Conduct thorough credit checks on customers using Cibil data, banking statements, income documents, etc. Develop expertise in commercial vehicle loans, fleet credit, used car loans, four wheeler loans, retail assets, auto finance products. Ensure compliance with regulatory requirements and internal policies related to credit risk management. Desired Candidate Profile 3-8 years of experience in Credit Management or similar role in NBFCs or banks dealing with Retail Assets/Auto Loans/Commercial Vehicles. CA/MBA/PGDM degree required; relevant certifications like IRDA/NCFM preferred but not mandatory. Strong understanding of Indian financial markets and regulations governing lending activities.

JD - Credit Processing Associate Experience : 1 to 2 years of experience in loan processing or credit operations preferred Freshers with good communication and basic banking knowledge can also apply. Job responsibilities: Process loan application as per policy. Maintain file data in Centralized MIS and sales source Check and verify KYC, income and properly documents Coordinate with BC (BSS Microfinance) credit team and sale team Prepare application summary for credit approval. Highlight any risk or mismatch to credit manager Track pending documents and ensure timely follow-up Ensure rejection message are sent to customer and records are maintained Monitor TAT (turnround time) and escalate delays if needed Maintain proper digital and physical file records Skills Required: Knowledge of loan documentation and credit process Familiarity with Sales source and Centralized MIS Good Excel and communication skills Team coordination and follow-up ability

Why Join Us At Mahindra Finance, we are all about recognizing the potential in people and empowering them in every way possible. And while we re doing so for the whole of the nation, there s no way we could forget our very own people - our employees. Which is why, we make every possible effort to create and maintain a milieu which is highly conducive for their growth. Our people are never short of challenges and cross-functional opportunities to help them expand their horizons and learn in a holistic way. In fact, we always encourage entrepreneurial thinking amongst our people to create more leaders at every level. Business Development Manager at Mahindra Finance The Business Development manager is responsible for driving the growing portfolio of clients across asset classes & sectors, partnering with all stakeholders while ensuring outstanding customer experience and asset quality. What You ll Do Build relationships with customers across growth-stage- (start-ups to mature industries), type (partnerships to MNCs), industries (Logistics, Fleet, last mile mobility, etc.) Interact closely with CEO/ CFOs of target companies to proactively understand requirements. Create customized, structured Leasing solutions per specific client needs. Develop a robust portfolio of varied asset classes from 3-wheelers to MHCV, electric vehicles, & specialized equipment. Work closely with all ecosystem players- OEMs, Dealers and Intermediaries to expand reach and grow share of Leasing. Manage complete account life-cycle - client negotiation, credit approval, funding and post-disbursal activities. What We Value Post Graduate with 4+ years of relevant experience in the automobile industry. Candidate must have corporate sales (B2B) experience in Commercial Vehicle / SME/ auto loan background. Ability to work independently and as part of a team. Stay up to date on industry trends and best practices. Excellent communication and interpersonal skills. Strong problem-solving and analytical skills Ability to meet deadlines and work under pressure. Willingness to learn and adapt to new challenges.

Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP Business Ensure appropriate judgement is taken on the credit proposals to ensure the quality of portfolio Understand credit policy and processes as well as credit environment Ensure detailed PD is done for all the proposals Further few customers need to be physically visited inline with requirement Ensure the quality of Credit approval note and the Credit approval mails Ensure the TAT for all the proposals is maintained inline with the prescribed standards Ensure the productivity for underwriting proposals is maintained inline with the prescribed standards Ensure all MIS is maintained timely and correctly Contribute to the new project initiatives Qualifications CA/Post-graduate in Finance Functional Skills Attention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience 3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP Business Ensure appropriate judgement is taken on the credit proposals to ensure the quality of portfolio Understand credit policy and processes as well as credit environment Ensure detailed PD is done for all the proposals Further few customers need to be physically visited inline with requirement Ensure the quality of Credit approval note and the Credit approval mails Ensure the TAT for all the proposals is maintained inline with the prescribed standards Ensure the productivity for underwriting proposals is maintained inline with the prescribed standards Ensure all MIS is maintained timely and correctly Contribute to the new project initiatives Qualifications CA/Post-graduate in Finance Functional Skills Attention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience 3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

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

To underwrite and manage the portfolio in assigned area. 1. Support and co-partner with business teams to manage end to end credit approval for the designated region 2. Underwrite for all customer segment for retail and high value cases and present to senior level 3. Authorize deviations raised and documented by underwriters in compliance with credit policy. 4. Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests. 5. Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level. 6. Ensure timely completion of personal discussion documents through customer visits if required. 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. Lead a team of credit approvers to ensure portfolio quality and delinquencies. 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. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. 12. Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. 13. Adhere to all norms and regulations required. MBA/PGDBA/PGPM or Equivalent in finance

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

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 (Freshers - 2024/ 2025 passout, with provisional certificate) Looking for Telugu or Kannada speaking candidate. Good communication and pleasing personality.

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

Manages credit and collections activities to include the timely cash collection of customer accounts, assessing credit worthiness, minimizing bad debts and ensuring contract compliance and/or recommending legal action. Manages a professional staff. Career Level - M2 Responsible for managing the activities of credit approval and credit collection. Develops, implements, and maintains systems, procedures, and policies to enhance the credit and collections process. Recommends credit limits, handles special credit arrangements, and problem collection accounts. Coordinates with internal departments on credit policies. Oversees analysis of accounts receivable, aging of accounts to determine overdue accounts, and collections procedures. Creates and/or analyzes monthly reports.

We are currently hiring for Credit Specialist (International Voice Process) for a global Bank India, Location Hyderabad. Experience: Underwriting, Pre-underwriting, Post Closing, Customer Service, Voice process, Calling, International Voice process. Role: Credit Specialist (International Voice Process) Job type: Permanent Role Context The role is to foster and encourage a sound common underwriting culture and to avoid undue risk concentrations, with the aim of ensuring a sustainable high quality lending portfolio. In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the marketplace on the credit process. At all times, credit standards as issued by Credit & Risk must be adhered to. In fulfilling these objectives, there is a need to provide direction and guidance to the branch network/direct sales channels. In summary, the prime objective is to ensure that an appropriate balance is achieved between maximizing income, maintaining a well-balanced book as to risk, ensuring credit standards are observed and at the same time being fully responsive to the needs of the customers and the marketplace. ontext The role is to foster and encourage a sound common underwriting culture and to avoid undue risk concentrations, with the aim of ensuring a sustainable high quality lending portfolio. In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the marketplace on the credit process. At all times, credit standards as issued by Credit & Risk must be adhered to. In fulfilling these objectives, there is a need to provide direction and guidance to the branch network/direct sales channels. In summary, the prime objective is to ensure that an appropriate balance is achieved between maximizing income, maintaining a well-balanced book as to risk, ensuring credit standards are observed and at the same time being fully responsive to the needs of the customers and the marketplace.

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

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.

Sanction Manager Personal Loan, Ramprastha Ghaziabad Evaluate personal loan applications as per credit policies & RBI compliance. Analyze KYC, CIBIL, income docs. 3–7 yrs loan appraisal exp. at NBFC/Bank/Fintech. Salary as per norms. Annual bonus

Roles and Responsibilities Manage a team responsible for credit underwriting, analysis, approval, and policy management. Review and analyze credit proposals from various sources (direct, indirect) to assess risk. Conduct thorough credit checks on customers using Cibil data, banking statements, income documents, etc. Develop expertise in commercial vehicle loans, fleet credit, used car loans, four wheeler loans, retail assets, auto finance products. Ensure compliance with regulatory requirements and internal policies related to credit risk management. Desired Candidate Profile 3-8 years of experience in Credit Management or similar role in NBFCs or banks dealing with Retail Assets/Auto Loans/Commercial Vehicles. CA/MBA/PGDM degree required; relevant certifications like IRDA/NCFM preferred but not mandatory. Strong understanding of Indian financial markets and regulations governing lending activities.

Bhiwadi | Faridabad | Gurugram | Mumbai | New Delhi View Details PRIMARY RESPONSIBILITY: Coordination with the Relationship (Client Acquisition) Team to gather financial data and documents of clients as well as with Advocate & Valuer. Conducting a thorough financial analysis of the proposal before putting it to higher level authority for approval with given TAT with his/her written findings on credit proposal and basic do ability in terms of amount and commercials ensuring compliance with organization credit policy. Visit client office/Factory/House for personal discussion to understand the business model before putting it for approval. Conducting on sight/Call based due diligence. Prepare Credit Approval Memorandum (CAM) as per policy and discuss same with Senior Credit/Underwriting Manager. Addressing the concern raised by the Senior Credit/Underwriting Manager if any. Compiling MIS on credit findings and queries raised by the field audit report. Issuing requests and checking Credit Information Reports (CIR) of clients from other Banks and Financial Institutes. Maintain cordial relationships with other departments, manage queries, and support other miscellaneous initiatives. DESIRED SKILLS & QUALIFICATION: CA/CFA or MBA in Finance. Experience as a Credit Manager in Machinery/Equipment Finance. Experience in End to End processing of loan proposal.

Dear Candidate, We have an opening for Credit Managers for Jaipur Location. Job Description:- Conduct thorough credit assessments and implement effective risk mitigation strategies. Ensure compliance with regulatory requirements and internal policies. Monitor and optimize the loan portfolio to maintain quality and profitability. Collaborate with internal teams and communicate effectively with stakeholders. Identify opportunities for process improvement and drive efficiency initiatives. Provide leadership and support within the credit department to achieve organizational goals. Behavioural Skills Analytical Thinking Communication and Collaboration Adaptability Attention to Detail Knowledge Credit Risk Analysis Regulatory Compliance Portfolio Management Credit Policy Development Interested candidates can share their CV at shilpa.sharma@aavas.in Thanks and Regards, Shilpa Aavas Financiers Limited

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