629 Credit Assessment Jobs - Page 21

* Conduct credit analysis & appraisals * Evaluate financial statements & corporate credits * Monitor credit risks & trends * Collaborate with sales team on new opportunities * Manage credit portfolio & ratings

- Extensively work on risk assessment and credit underwriting - Understanding the customer profile, performing financial analysis & determining the credit worthiness of the proposals - Monitoring the existing loans portfolio to maintain its quality

Key Responsibilities Supporting the Rating Advisory team of a global investment bank in preparing rating presentations, rating models and indicative rating Strong understanding of S&P, Moody's and Fitch rating methodologies and expertise in different financial adjustments as well as qualitative aspects, required for assigning ratings to companies and bond issuances Understanding of different sectors including Energy, Auto, Transportation, and Mobility, Healthcare, Industrials, Media and Communications, Technology, Utilities and Power, Real Estate, Gaming, and Leisure Should also have strong understanding of financial models, cash flow models, LBO models, forecast analysis and ratio analysis Knowledge and hands on experience in preparing industry and company overviews/ analysis, peer comparison and presentations Experience in regular client interaction, structuring deliverables & developing efficient work processes Ensure clear understanding of client requirements and very high quality of output Key Competencies 3-7 years of experience in the Rating Agency such as CRISIL, CARE etc. or Rating Advisory team of a bank or boutique firm. Experience in below assignments will be required Rating Analysis/ credit assessment/ models/ presentations for Large Corporates Financial analysis including peer benchmarking and ratio analysis Debt structure analysis including headroom analysis Financial models including LBO model, cash flow forecast models etc Should be well versed with Office 2010/2013: Microsoft Excel, Word, and Power Point Excellent written and spoken communication skills with extensive experience in Client handling Post-Graduation in Finance or equivalent qualification

Job Description About us: RRD GO Creative, with more than three decades of expertise in business communications, marketing solutions, and digital productivity solutions, we successfully help reimagine customer experiences for companies. Our three pillars of Global Brand Solutions, Smart Work Solutions, and Technology & Innovation Services transform the way businesses work for customers, building strong brand loyalty. Our 8,000 experts in 42 locations work across various industries to co-create a future-ready business landscape. We adopt a consultative approach to digitizing every aspect of the Customer Journey so you can effectively translate a strategic vision of expansion and efficiency into a superior Customer Experience. We help you effectively address customer needs so you can make Customer Experience your competitive differentiator. RRD GO CREATIVE currently seeking Associate Manager-Credit for Shared Services team to join in Chennai Position Description: Perform credit analysis by retrieval of financial information, company fundamentals, market data or using computerized scoring. Review customer performance to insure appropriate customer credit limits are set. Constantly monitor the financial changes to a large portfolio of customers by evaluating publicly available information. Provide support to the management team in completing projects on time and in knowledge transfer and training. Essential Experience & Qualifications: MBA in Finance / Masters in Commerce with 5-8 years of experience in Credit appraisal and analysis of customers Essential Qualifications / Experience: Technical know-how in MS Office Suite with a knowledge of financial statements (MS Excel and other MS office tools), Experience with SAP (preferred, but not mandatory) Work Schedule: Ability to work flexible schedule during day, night and weekend shifts Role & responsibilities Analyze financial statements, process and evaluate bank & trade references and utilize online credit scoring application to support credit limit decisions. Constantly monitor the financial changes to a large portfolio of customers. Methodical analysis of data and convert complex data in simple, readable format to enable decision making Ensure clear and consistent communication channels are followed with clients and the team Should be able to communicate & defend the credit decisions made to senior management and external parties as needed. Ensure the consistency and quality of final deliverables to the client Assist in management reporting and perform other duties as assigned Strong and Proven Analytical Skills Strong Presentation and Communication Skills

Responsibilities- - Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc. - Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis. - Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants. - Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc. - Benchmark borrowers financial performance across competitors and industry benchmarks. - Secondary research to gather additional information about the background of management and the borrower. - Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. - Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. - Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: - Keen interest towards tech driven new age/ alternate data-based credit decision process. - Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. - Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. - Critical thinker with strong decision-making ability, excellent written and verbal communication. - Demonstrated capabilities towards multiple stakeholder management. - Knowledge of drafting curated sanction letters and loan agreements will be an added advantage. Education: MBA (Finance)/ CA

About The Role Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) in the Commercial Vehicle business 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 RM"™s and company involved Ensure adherence of credit policies and RBI guidelines Continuous monitoring of Infant Delinquencies Job Requirements: 5 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

ROLE SUMMARY The role holder is responsible for acquiring and providing support to the clients in the high octane middle market segment (i.e. Rs. 100-500 crore turnover), offering them entire suite of bank products. KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities N/A Core Responsibilities Revenue Generation Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Banks products Undertakes brand communication initiatives for designated products Communicates product positioning messaging that differentiates YES Banks products in the market Market Research Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Credit Appraisal Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group Self-Management Responsibilities Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively. Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks. Risk and Internal Control Responsibilities Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager. Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary. SECTION IV: KEY INTERACTIONSKey Internal InteractionsPurpose of Interaction Risk Management For coordinating the ways to mitigate risk involve in a deal Frequency:- Daily CMS For coordinating on all technology aspects related to Clients interface Frequency:- Daily CAD For coordinating the issue of FL and understanding the changes needed in CAM Frequency:- Daily TBG For ensuring that customer have smooth transaction experience Frequency:- Daily Legal For understanding the legal aspects of the deal and ensure that there is no legal fallout Frequency:- Daily Key External InteractionsPurpose of Interaction Customer For understanding the financial needs of the customer and providing suitable solutions Frequency:- Daily SECTION V: KNOWLEDGE & EXPERIENCEKNOWLEDGEMinimum Qualifications Bachelors degree in any field Masters degree in Finance is preferred SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL COMPETENCIESCore CompetenciesCompetency NameBehaviors Customer Focus Listens to and demonstrates an understanding of customers stated and unstated needs Delivers customer value through timely and quality execution of tailored customer solutions Develops an understanding of problems and employs existing or new methods to find solutions Professional Entrepreneurship Takes proactive and constructive action at work with little or no direction from others Displays responsibilities for problems, initiatives and tasks that lie within the domain of own role Drive for Results Seeks to understand the rationale for key decisions and understands implication for own role / action Displays a sense of urgency to deliver outcomes as per stated timelines Reacts to challenges by displaying optimistic demeanor Influence and Impact Uses simple persuasion techniques to achieve the desired result / action / commitment from others Responds to stated requirements of internal / external stakeholders by keeping a solution oriented mindset Quality Focus Ensures adherence to quality standards in work / service delivery, identifies opportunity for improvement in routine course of work Adherence to laid down system and procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement

Key Responsibilities Supporting the Rating Advisory team of a global investment bank in preparing rating presentations, rating models and indicative rating Strong understanding of S&P, Moody's and Fitch rating methodologies and expertise in different financial adjustments as well as qualitative aspects, required for assigning ratings to companies and bond issuances Understanding of different sectors including Energy, Auto, Transportation, and Mobility, Healthcare, Industrials, Media and Communications, Technology, Utilities and Power, Real Estate, Gaming, and Leisure Should also have strong understanding of financial models, cash flow models, LBO models, forecast analysis and ratio analysis Knowledge and hands on experience in preparing industry and company overviews/ analysis, peer comparison and presentations Experience in regular client interaction, structuring deliverables & developing efficient work processes Ensure clear understanding of client requirements and very high quality of output Key Competencies 3-7 years of experience in the Rating Agency such as CRISIL, CARE etc. or Rating Advisory team of a bank or boutique firm. Experience in below assignments will be required Rating Analysis/ credit assessment/ models/ presentations for Large Corporates Financial analysis including peer benchmarking and ratio analysis Debt structure analysis including headroom analysis Financial models including LBO model, cash flow forecast models etc Should be well versed with Office 2010/2013: Microsoft Excel, Word, and Power Point Excellent written and spoken communication skills with extensive experience in Client handling Post-Graduation in Finance or equivalent qualification

Job Description Ensure AP Ref no.if generated as soon as a file is logged in Ensure CPV, neighbor check, Financiary reference check and TVR is done after CIBIL Recommends and forwards to appropriate authority basis limits, deviation, and deferral. Does PD for every single customer. Take various market references and build touch points for customer reference. Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact Review of credit files as per policy Co-ordinate with FCU for setting up specific triggers Ensure approval tracker is given to Business Basis product to do CFA and ABB. Relook at cases which have been rejected basis merit Clear the various exception raised. Review portfolio every month with respect to ODs / losses / fraud for the period underwritten with respect to the following Bucketwise OD’s being within the triggers OD’s within the budgeted figure Customers TOD level within acceptable norms Non Starter at minimum level Negligible skip / fraud cases Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation, besides ensuring dispatch of the physical file. Ensure the completed document is moved into the Operations Queue Reviews credit admin activities to ensure the activities like RMU movement, filing of charge, agreement filling, stock and book debt audit, legal dox review , regular information on deviations, deferrals to central unit etc are completed within stipulated time frame. Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions. Expertise required/ Domain Knowledge: Rural Market knowledge No. of years of relevant experience: 2-5 Yrs Any specific specialization/education: Graduate & Above

Freshers or Minimum 1 yr of experience in any process US Shift Sat & Sun fixed off Direct Banking Voice Process & Non voice process Good communication Graduation Mandatory Pick up& drop cab provided. Please apply for the job in Naukri.com and we will call you back. Do not search the number in Google and do not call us. Please apply for the job in Naukri.com and we will call you back. Do not search the number in Google and do not call us.

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

Role & responsibilities To assess, evaluate review and approve credit proposals as a first level officer for the Wholesale Banking relationships which is referred to wholesale credit involving various products like Term Loans, Trade Finance, CC, ODs and PSR Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business teams in line with the banks risk appetite Partner with business, CAD, Operations and compliance teams to help in meeting regulatory compliance with respect to credit dispensation and monitoring including end use. To convey a clear opinion regarding the acceptability of the proposed transaction/ facilities, from risk point of view, covering business model, industry risk, structure, financial risk & regulations Meet business counterparts on a defined periodicity (monthly or otherwise) for reviewing Early Warning Signals and Close Monitoring. Focused house-keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team. To partner with business, CAD and operations and compliance To help review end use monitoring on defined periodicity (to be covered on a quarterly basis). To address issues/ responding to RBI auditors on credit matters. Appropriate level of client calling to develop strong understanding of client business and industry dynamics Preferred candidate profile Strong technical & analytical skills. Strong written and verbal communication & negotiating skills Expert knowledge in analyzing financial statements. Banking Product & Process Knowledge Understanding of accounting principles, banking & commercial laws and Regulatory Knowledge Excellent knowledge of competition & current trends in financial Industry .

Mandatory: Should be Chartered Accountant/MBA with experience of Credit analytics of Housing Loans/Home Loans/ Affordable Home Loans. Experience: Minimum 3+ years Working Days: 6 days

About Credit Saison: A Neo-Lending Conglomerate here to enable Indias credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate Indias credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs, FinTechs, and NBFCs. Credit Saison India ( CS India ), having been founded in 2018, operates under the registered name Kisetsu Saison Finance India Private Limited as an MNC subsidiary of its parent company - Credit SaisonCo. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management ( AUM ) of US1bn in record time. More about us on https://www.creditsaison.in Job Description: - Conduct credit assessment of the leads & filtering them out for further evaluation. - Assist in various aspects of Due Diligence activities of the prospective borrowers. - Analyse financial statements of the prospects, including but not limited to Balance Sheet; Profit & Loss Statement; Cash Flow Statement, etc. - Build various financial models/projections; detailed financial analysis outputs that shall assist in decision making. - Prepare investment proposals as well as in preparing internal & external presentations & materials. - Assist in sourcing new leads for lending Eligibility Criteria - CA/ MBA/any other postgraduate degree related to finance or related areas. - 0-2 years of related experience About Credit Saison: A Neo-Lending Conglomerate here to enable Indias credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate Indias credit growth s...

About JUSTO: Established in August 2019, JUSTO is a dynamic real estate solutions company committed to driving innovation and growth. With a dedicated team of professionals , we empower developers to bring their vision to life. Our tailored strategies are designed to maximize value for both developers and end-users. Operating across multiple cities, including Mumbai, Navi Mumbai , Pune , Bhubaneswar, Kolhapur, Aurangabad, and Nashik, we have built a strong presence in the real estate market. Guided by our core principles of providing expert advice, creating innovative solutions, and nurturing long-term partnerships, we combine cutting-edge technology with personalized service to establish ourselves as a trusted brand in real estate solutions. Job Title: Asst Manager / Manager Job Role: Home Loan Experience: Minimum 2-6 years Reports to: Head of Department 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: 2-5 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.

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

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.

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

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

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

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 3 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in financial modeling and data analysis tools. Strong understanding of credit risk management strategies. Experience working with diverse stakeholders, including customers, colleagues, and external partners. Location - Arakonam,Chennai,Ponneri,Vellore

We are looking for a skilled Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 4-5 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong attention to detail and organizational skills. Experience in the BFSI industry is preferred.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-2 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit management strategies. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Strong understanding of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in credit management software and systems. Strong attention to detail and organizational skills.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong attention to detail and organizational skills. Ability to build relationships with clients and stakeholders.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-2 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong understanding of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in financial modeling and data analysis tools. Experience with credit management systems and technologies.