629 Credit Assessment Jobs - Page 20

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

About Treasury The Treasury department is responsible for supervising the Bank s funding position and maintaining its regulatory reserve requirements. It invests in sovereign and corporate debt instruments, and engages in proprietary trading in equity and fixed income securities, foreign exchange, currency futures and options. The division further governs the Bank s investments in commercial paper, mutual funds and floating rate instruments as part of the management of short-term surplus liquidity. Moreover, it offers a wide range of treasury products and services to corporate customers About the Role Responsible for (i) Assisting the relationship group in structuring the underwritten transaction and finalizing the syndication mandates with the clients; (ii) Appraisal of the syndicated proposals being done by CRG and the Appraisal / Information memorandum being shared with potential lenders during the syndication process; (iii) Interaction with senior officials at other banks during the syndication process with increased; and (iv) handling the (a) pre bid advisory; (b) bid process advisory; and (c) merchant appraisals mandates. Key Responsibilities Screen proposals for feasibility based on market information, rating, economic scenario, business model and regulatory aspects for syndication; Advise a marketable transaction structure of proposal without compromising either on the Client requirements or on Bank Policy; Assist the Relationship team in making pitch for syndication proposals, offer letter, in principle note etc.; Design debt solutions for special situation clients; Undertake transaction advisory assignments ((a) pre bid advisory; (b) bid process advisory; and (c) merchant appraisals); Remain updated on the industry trends and regulatory frameworks (especially the view and interpretations of other lenders) to ensure that appropriate inputs are provided on underwritten transactions. Oversee and Advise the team in Undertaking due diligence and credit appraisal, identifying key risks and mitigation measures, preparing the term-sheet; Finalization of the Information Memorandums and pitches to prospective participating banks; Legal documentation of syndicated proposals; and Ensuring timely execution of the transaction. Provide guidance and support to the team of Team Lead and Analysts for proactive solutions to business needs. Coach, mentor and guide the team Interface with other departments of the Bank such as Risk/Credit/Relationship/Legal etc. for coordination / implementation of transaction Develop and maintain a network with representatives of other financial institutions for risk mitigation, joint financing and larger industry interface Qualifications Post-Graduation in Finance from a recognized institute / CA Relevant experience in Public sector / large private sector banks Relevant experience in transaction structuring and customized debt transactions including structuring of cross border transactions Role Proficiencies Prior exposure to multi sectoral credit assessment and financing. Strong knowledge of the overall regulatory framework Strong knowledge of all credit products Ability to remain updated with respect to diverse sectors and scale up quickly with respect to recent developments (regulatory or industry trends) as the role is sector / geography agnostic Experience in managing large teams independently Experience in managing independent credit decisions of large exposure for non-templated / Fund based / Non Fund Based products #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

Role & responsibilities Conduct thorough credit assessments for TW & PL Loan applications. Ensure high quality and performance of the loan portfolio. Meet credit assessment targets within specified TAT. Ensure adherence to audit and regulatory standards at the location. Assist in coordinating and managing vendors for risk control and verification processes. Make well-informed lending decisions based on applicant interactions and available data. Collaborate closely with sales, operations, collections, and policy teams to ensure smooth operations. Maintain databases and prepare monthly reports on loan cases. Coordinate with agencies to sample and screen loan files effectively for fraud prevention. Manage cost efficiency in credit administration processes. Preferred candidate profile Having loan sanctioning authority. Interested candidates can send their resume to: tejashreer@manbafinance.com & dhwanid@manbafinance.com For more info, contact us at: 8657020233

Job Description: Asst. Manager / Manager - Home Loan About JUSTO: Job Title: Asst Manager / Manager Job Role: Home Loan Location: Mumbai (All Areas) About the Role: As a Home Loan Manager, you will be responsible for managing and streamlining the home loan processes for our clients. Your primary focus will be to ensure smooth collaboration with banks and financial institutions, guide clients through loan application processes, and assist in achieving financial closure for property purchases. Key Responsibilities: Client Consultation: Understand clients financial needs and provide advice on home loan options. Assist clients in preparing and submitting loan applications with required documentation. Liaison with Financial Institutions: Develop and maintain relationships with banks and NBFCs. Negotiate terms and conditions of loan agreements to ensure favorable outcomes for clients. Loan Process Management: Monitor the end-to-end home loan application process. Ensure timely disbursement of funds by coordinating with financial institutions and clients. Compliance and Documentation: Ensure all loan-related documents are accurate, complete, and adhere to legal requirements. Stay updated with regulatory changes in home loan policies. Team Collaboration: Work closely with the sales and legal teams to provide a seamless property buying experience. Provide training to the sales team about loan products and procedures. Market Analysis: Stay informed about market trends and home loan products. Recommend innovative loan solutions to enhance customer satisfaction. Required Skills and Competencies: Education: Bachelor s degree in Finance, Commerce, Economics, or related field Experience: 3- 6 years of relevant experience in home loans, mortgage banking, or real estate financing. Proven track record in managing loan processes and client relationships. Soft Skills: Excellent communication, customer relationships and negotiation skills. Skills and Competencies: Strong knowledge of home loan products and policies. Proficiency in financial analysis and credit assessment. Ability to manage multiple clients and prioritize tasks. Familiarity with real estate and property laws is a plus.

Role & responsibilities Responsible for credit underwriting, credit appraisal of secured and unsecured products. Ensuring adherence to credit policy and KYC policy. Pre Screening of documents uploaded in the portal. Handling of detail data entry in portal. Verifying all KYC's and financial documents of the borrower. Verifying online RIC process. CAM preparation and capturing of appropriate deviations in the CAM. Coordinating with business team to resolve queries. Escalating loan applications to Credit Manager/Area Credit Manager for loan approvals. Preferred candidate profile Language - Kanada is must

Job Posting Title: Credit Risk Analyst Location: Thane What does a successful Candidate do at FISERV ? A self-starter, to perform tasks with autonomy and make decisions. An analytical mindset to learn and understand different business models and assess the potential risks Collaborate with internal and external stakeholders to drive the consensus on risk approach What will you do: Credit Risk Analyst role is an APAC level role which will include markets like India, Australia, South East Asia (HK, Singapore, Malaysia) Perform credit analysis and underwriting for prospective accounts Review credit history to assess credit worthiness of new prospective clients. Ensures a balanced risk and revenue trade-off consistent with credit policy and loss target expectations. Apply credit risk guidelines, policies and procedures in letter and spirit. Also conduct periodic reassessment of the policies and procedures based on the industry trends and portfolio performance. Manage the existing key merchant/partner portfolio to analyse/mitigate potential risk on periodic basis. Monitor operational performance on accounts and make a real time decision with respect to the potential risk/mitigants on the relationships Investigations include the gathering of data from various sources & systems and interpreting the data to manage the risk. What will you need to know: Ability to understand and evaluate financial statements comprehensively Ability to apply risk management concepts; collect and analyse exposure and loss data, respond efficiently and effectively to internal and external requests. A successful analyst must have the ability to work in a fast-paced environment, be able to make real time / accurate decisions and manage/mitigate potential risks in the portfolio Role needs good verbal and written communication skills to manage internal stake holders and external stake holders i.e. business team, legal team, compliance team and customers. Time management skills well as good negotiation ability is must. What would be great to have: Background in payment industry or fintech company Data analytics Prior experience in risk management

Job Role Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EMI Key Responsibilties Credit Decisions •Take sound lending decisions based on available information & interactions with the applicants. •Manage credit quality and control delinquencies, frauds. Monitoring Performance •Managing performance in terms of key drivers i.e. Loses / Portfolio quality parameters Cost of credit administration Employee Productivity Regards Rupali 9354966985

ROLE SUMMARY Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Revert on the Hindsight and Internal audit observations KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities Ensuring Credit appraisals are done within TAT Ensuring adherence to the credit policy and process. Core Responsibilities Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet Timely completion of credit appraisals / renewals/PSMs with effective structures Customer Meetings and Discussion along with factory/ Unit visit where ever required. Timely closure of exceptions & managing limit/facility overdue. Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action Interaction with various stakeholders (internal and external) for review of such customers Carry out internal rating of customers and assign/review rating Maintain/monitor Credit Hygiene People Management or Self-Management Responsibilities Timely/ effective closure of transaction requests. Minimal CAM over dues. Timely closure of exceptions & managing limit/facility overdue. . Risk and Internal Control Responsibilities Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management KEY INTERACTIONSKey Internal InteractionsPurpose of Interaction Business Team To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when required Product Team For clarification / guidelines as and when required Key External InteractionsPurpose of Interaction Customers As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL COMPETENCIESCore CompetenciesCompetency NameBehaviors Customer Focus Listens to and demonstrates an understanding of customers stated needs Delivers customer value through timely and quality execution Develops an understanding of problems and employs existing or new methods to find solutions Professional Entrepreneurship Takes proactive and constructive action at work with little or no direction from others Displays responsibility for problems, initiatives and tasks that lie within the domain of own role. Drive for Results Seeks to understand the rationale for key decisions and understands implications for own role/ actions Displays a sense of urgency to deliver outcomes as per stated timelines Reacts to challenges by displaying an optimistic demeanor Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership CompetenciesCompetency NameBehaviors Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety

Job Description: SSO Manpower to handle South Asia AR. The Credit Control Manager is responsible for overseeing the companys credit control processes, ensuring timely collection of payments, managing credit risk, and maintaining strong relationships with internal customers as well as external customers.Monitor customer accounts to ensure timely payment and reduce overdue balances.Oversee the recovery of overdue payments.Conduct credit checks and risk assessments for potential and existing customers.Prepare regular reports on aged debt and credit risks for senior management.Address customer queries and disputes efficiently.Maintain strong relationships with customers & overseas collection team to ensure smooth communication regarding payments. Role About the Role: The Senior Executive - Accounts Receivable will play a crucial role in managing the company's receivables to ensure timely collections and maintain healthy cash flow. This position involves overseeing customer accounts, resolving discrepancies, and enhancing processes related to accounts receivable. The individual will collaborate closely with various departments to streamline financial operations. About the Team: The accounts receivable team is a dynamic group responsible for monitoring incoming payments and maintaining accurate financial records. The team works closely with sales, customer service, and finance departments to ensure a seamless flow of information. A supportive environment encourages professional growth and collaboration, fostering a strong team spirit. You are Responsible for: - Managing the end-to-end accounts receivable process. - Building and maintaining strong relationships with customers to facilitate prompt payment. - Identifying and resolving discrepancies in customer accounts or payments. - Preparing regular reports on accounts receivable aging, collections performance, and cash forecasts. - Assisting in the implementation of improvements to processes and systems for higher efficiency. To succeed in this role you should have the following: - A degree in finance, accounting, or a related field. - Proven experience in accounts receivable or a similar finance role. - Strong analytical and problem-solving skills for managing accounts and resolving issues. - Excellent communication and interpersonal skills for effective collaboration with customers and internal teams. - Proficiency in accounting software and Microsoft Office, particularly Excel. Tags Receivable, Receivable Management, Payment Collection, Credit Control, accounts receivable

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit risk management strategies to minimize losses. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure adherence to all relevant laws, regulations, and industry standards related to credit management. Job Requirements Strong knowledge of credit underwriting principles, including credit scoring and risk modeling. Experience working with affordable housing products, such as home loans and LAP. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong collaboration with stakeholders. Ability to work in a fast-paced environment, meeting deadlines and delivering high-quality results. Proficiency in credit management systems and software applications, with strong technical skills.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize business growth. Build and maintain strong relationships with customers, providing excellent customer service and support. Conduct thorough credit assessments and analyze financial data to make informed decisions. Collaborate with cross-functional teams to achieve business objectives and drive sales growth. Monitor and report on credit performance metrics, identifying areas for improvement and implementing corrective actions. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills, with attention to detail and accuracy. Ability to work effectively in a fast-paced environment, meeting deadlines and targets. Strong communication and interpersonal skills, with the ability to build rapport with customers and colleagues. Proficiency in credit management software and systems, with the ability to learn new technologies quickly. Experience working in a similar role within the BFSI industry, preferably in a branch credit manager position.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance and risk management. Identify opportunities to cross-sell and upsell relevant products and services. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit portfolios and identifying risks. A graduate or postgraduate degree is required.

We are looking for a highly skilled and experienced Area Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize business growth. Conduct thorough credit assessments and provide recommendations for approval or denial. Collaborate with cross-functional teams to ensure seamless credit delivery and customer satisfaction. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure compliance with regulatory requirements and internal controls. Job Requirements Strong knowledge of Inclusive Banking, SBL, Mortgages, and Credit products and services. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong relationships with customers and stakeholders. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong understanding of credit underwriting principles and practices, with experience in assessing creditworthiness. Proficiency in credit management systems and software applications, with excellent technical skills.

Job level - Mid - Level Managerial About the role ICICI Bank provides comprehensive banking solutions to corporate customers. As a Relationship Manager of Wholesale Banking, you will be responsible for credit appraisal, financial analysis, client servicing, writing of credit notes, end-to-end executive of banking transactions, documentation, and covenant management. In this role, you work under the guidance of a Senior Relationship Manager/ Regional Head. While serving customers, you will be responsible for 360-degree banking and looking for banking opportunities across the customer ecosystem. This will involve offering banking products and services across the customer segments of the Bank. In your responsibility, you also hold the principle of being Fair to Customer, Fair to Bank. You will be responsible for generating new business leads as well as deepening relationships with existing customers. Key Responsibilities 360 Credit Assessment Understand in detail the clients business and financials and prepare a quality appraisal note in collaboration with the Risk Management team. Collaboration Work in synergy with different internal teams of the Bank in order to deliver the right solutions to the customer. Collaborative working is key in this role. Portfolio Management Manage a high-quality portfolio of corporate clients. Work towards generating new business leads as well as deepening relationships with existing customers. Qualifications & Skills Educational Qualification MBA, chartered accountants, Engineers & graduates with relevant work experience in the area of relationship management across industries. Exp .- 1-9y Communication skills Good oral and written communication skills. Financial Understanding An understanding of the intricacies of financial analysis, the balance sheet, profit & loss accounts and cash flow statements. Knowledge of basic banking products.

About the role As a Relationship Manager - Services Sector Group, you will be responsible for complete sectoral coverage in the area of operations, establishing touchpoints with all corporates, onboarding new clients, and client servicing, including credit appraisal of the corporates. Following the philosophy of Fair to Customer, Fair to Bank you will also be responsible for execution of end to end set processes such as collection and payment solutions, onboarding for digital products, financial analysis, credit appraisal note preparation, loan documentation etc. for the transactions under the guidance of the Senior Relationship Manager. A key responsibility is to work within the guardrails of risk and compliance and focus on customer service to provide Customer 360-degree banking. Key Responsibilities 360 Credit Assessment Expected to understand in detail the clients business and financials and prepare a quality appraisal note in collaboration with the risk management team. This would also entail offering 360-degree banking solutions to the corporates. Collaboration Facilitate the disbursement of funds once sanction is in place through coordination with various internal groups. RM is also expected to complete post-disbursement documentation activities in coordination with control groups such as Legal, Compliance, and Credit Middle Office. Portfolio Management Assist the Senior Relationship Manager/ Regional Head in managing a high-quality portfolio of corporate clients. Support them in achieving business targets and onboarding new clients. Customer Service Create service excellence by partnering with customers through their life cycle and offer suitable products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements. Customized solutions Collaborate with product specialists, subject matter experts, and credit and service teams to ensure right products are offered to the customer. Behold our values Offer products that are fair to our customers and fair to the bank. Qualifications & Skills Educational Qualification MBA, Chartered Accountants, Engineers & Graduates with relevant work experience in the area of relationship management across industries. Exp.- 1-9y Communication Skill Good oral and written communication skills. Financial Understanding An understanding of the intricacies of financial analysis, the balance sheet, profit and loss accounts, and cash flow statements. Knowledge of basic banking products. Synergize with Team Willingness to work with various teams for on-ground support and deliver enablers as required. Improvise Develop suitable process in-line with the requirements of the customer and the solution that is being offered. Market Sensing Monitor and evaluate industry trends, customer drivers and potential partnerships.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit risk management strategies to minimize losses. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure adherence to all relevant laws, regulations, and industry standards related to credit management. Job Requirements Strong knowledge of credit underwriting principles, including credit scoring and risk modeling. Experience in managing large volumes of data and providing actionable insights to stakeholders. Excellent analytical and problem-solving skills, with the ability to interpret complex financial data. Effective communication and interpersonal skills, enabling strong collaboration with diverse teams. Ability to work in a fast-paced environment, meeting deadlines and delivering high-quality results. Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance metrics. Identify opportunities to cross-sell and upsell relevant products. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong analytical and problem-solving skills. Experience in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize revenue. Build and maintain strong relationships with customers, providing excellent customer service and support. Conduct thorough credit assessments and analyze financial data to make informed decisions. Collaborate with cross-functional teams to achieve business objectives and drive growth. Monitor and report on credit performance metrics, identifying areas for improvement and implementing corrective actions. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills, with attention to detail and accuracy. Ability to work effectively in a fast-paced environment, meeting deadlines and targets. Strong communication and interpersonal skills, with the ability to build rapport with customers and colleagues. Proficiency in credit management software and systems, with the ability to learn new technologies quickly. Experience working in a similar role within the BFSI industry, preferably in a branch credit manager position.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and analyze credit data to determine client creditworthiness. Develop and implement effective credit risk management strategies. Conduct thorough credit assessments and provide recommendations. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit portfolio performance and risks. Identify opportunities to improve credit processes and procedures. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong understanding of financial markets and economic trends. Experience working with small and medium enterprises is preferred.

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB DESCRIPTION JOB ROLE Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. JOB Requirement 3 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role JOB ROLE: Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. JOB Requirement: 3 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"™s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor"™s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

About The Role The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"™s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor"™s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

About The Role JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"™s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

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