629 Credit Assessment Jobs - Page 25

Candidate can be from bank or credit rating agency only Minimum exp: 3 years Handling only companies with turnover of 500 Cr and more only large corporate

Responsible for managing credit risk, analyzing credit management data, and overseeing all credit operations in the region. Managing a team of Credit Analysts, Credit Managers and ACMs Required Candidate profile Active involvement in client meetings, portfolio monitoring and risk management processes Co-ordination with internal and external stakeholders (Business team, internal auditors, external vendors etc)

Responsible for managing credit risk, analyzing credit management data, and overseeing all credit operations in the region. Managing a team of Credit Analysts, Credit Managers and ACMs Required Candidate profile Active involvement in client meetings, portfolio monitoring and risk management processes Co-ordination with internal and external stakeholders (Business team, internal auditors, external vendors etc)

Responsible for managing credit risk, analyzing credit management data, and overseeing all credit operations in the region. Managing a team of Credit Analysts, Credit Managers and ACMs Required Candidate profile Active involvement in client meetings, portfolio monitoring and risk management processes Co-ordination with internal and external stakeholders (Business team, internal auditors, external vendors etc)

Basic Section No. Of Position 1 Grade NA Level Analyst, Credit Organisational BUSINESS Birla Pivot BUSINESS_UNIT-1 Birla Pivot BUSINESS_UNIT-2 Birla Pivot BUSINESS_UNIT-3 Birla Pivot DEPARTMENT-1 Birla Pivot Partners Country India State Karnataka Worksite Bangalore Industry -- Function Strategy & Planning Skills Skill Underwriting Unsecured Loan Minimum Qualification Bachelor Of Commerce (Honours) CERTIFICATION No data available About The Role Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts. Key Responsibilities Credit Assessment: Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history. Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms. Financial Analysis: Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers. Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter. Documentation and Due Diligence: Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately. Communication and Reporting: Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders. Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval. Portfolio Monitoring: Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate. Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms. Qualification & Skills Bachelors degree in finance, Accounting, Economics, or related field required, masters degree preferred. Minimum of 3 years of experience in credit analysis, banking, or financial services industry. Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately. Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation. Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely. Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

Skills Skill Sales Highest Education No data available Working Language No data available About The Role Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager

Skills Skill Sales Highest Education No data available Working Language No data available About The Role Role Description DesignationBranch Credit Manager GradeEB-2-Assistant Manager/EB-3-Deputy Manager Legal EntityEquitas Small Finance Bank Business UnitRetail Banking DivisionEmerging Enterprise Banking DepartmentCredit Travel requiredYes/No (if Yes, please mark ->) Level of travelModerate/Extensive LevelIndividual Contributor / Supervisory / Purpose of the role The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents and personal discussion as per company process To ensure high quality delivery of relevant vehicle finance products & services to our clients in a fair and transparent manner. The role holder is responsible for the credit appraisal of all vehicle finance proposals at the branch for New CV business. The role holder is also responsible for escalating proposals that fall beyond the incumbent's empowerment level. Key Responsibilities Ensure proper credit evaluation of customers as per policy & process Conduct personal discussion with customers for evaluation of Loan proposal Support the branch team in achieving desired branch objective. Manage & Maintain TAT for Loan disbursement. Supervisor & mentor Credit officer & Officer Credit Operation. To diligently appraise loan applications in line with credit policy of the organization. Ensure Credit policies to build a good quality portfolio of the branch. Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records. Completion of PDD on time for the Loan Disbursed Ensure Quality Portfolio of the branch is Maintained Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria Maintain high standards on credit appraisal through personal understanding of customer, as appropriate supplemented by documentation provided Minimize turnaround time per application Maintain a high quality portfolio at branch level . Manage and support other operations activities at the branch. Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate Ensure that the PDD is collected and maintained as per credit norms. Desired Experience Number of years of experience (05-08 years) Type of companies/sector worked for(Private commercial banks and large NBFCs) Responsibilities managed in the previous organizations(Primarily Credit function. Past experience in credit side of CV.) Languages (English/Hindi/Marathi) Computer/technical skills (Basic Computer Skills MSCIT) Qualifications GraduationAny Graduate Post-graduationIf any would be an added advantage Professional QualificationsIf any would be an added advantage Certifications (please specify)If any would be an added advantage

Basic Section No. Of Openings 1 External Title Branch Credit Manager Employment Type Permanent Employment Category Field Closing Date 29 May 2025 Organisational Entity Equitas Small Finance Bank Business Unit Assets Division/Function (SBU) Emerging Enterprise Banking Department VF Sub-Department Credit Generic Role Branch Credit Manager External Title (Job Role) Branch Credit Manager Division Emerging Enterprise Banking Zone West State Maharashtra Region Maharashtra Area W.Maha Cluster Western Maharashtra PT Location Maharashtra Branch Code 9096 Branch Name Hadapsar Skills Skill Credit Credit Analysis Team Management Highest Education B.Com BA BBA MBA Working Language English Hindi Marathi About The Role Ensure proper credit evaluation of customers as per policy & process Conduct personal discussion with customers for evaluation of Loan proposal Support the branch team in achieving desired branch objective. Manage & Maintain TAT for Loan disbursement. Supervisor & mentor Credit officer & Officer Credit Operation. To diligently appraise loan applications in line with credit policy of the organization. Ensure Credit policies to build a good quality portfolio of the branch. Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records. Completion of PDD on time for the Loan Disbursed Ensure Quality Portfolio of the branch is Maintained Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria Maintain high standards on credit appraisal through personal understanding of customer, as appropriate supplemented by documentation provided Minimize turnaround time per application Maintain a high quality portfolio at branch level. Manage and support other operations activities at the branch. Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate Ensure that the PDD is collected and maintained as per credit norms.

Basic Section No. Of Openings 1 External Title Credit Manager Employment Type Permanent Employment Category Field Closing Date 24 May 2025 Organisational Entity Equitas Small Finance Bank Business Unit Assets Division/Function (SBU) Affordable Housing Department Housing Loan Sub-Department Credit Generic Role Credit Manager External Title (Job Role) Credit Manager Division Inclusive Banking - SBL Zone South State Tamil Nadu Region Madurai Area Tirunelveli Cluster Sankarankovil PT Location Kanyakumari (Nagerkoil Branch Code 1090 Branch Name Nagercoil Skills Skill Post-conflict Highest Education Master of Business Administration Working Language English Tamil About The Role Processing & generating leads for Micro LAP & Micro Housing finance by accessing their income through personal discussion & field Visit. Track and Ensure Repayments of the Loan disbursed Lead generation & conversion for existing micro finance members who require MICRO LAP or MICRO Housing Ensure consistent delivery of Equitas products and services and prompt repayment in an efficient and cost effective manner Sourcing & Completion of Loan document application form filling and follow-up to be done till disbursement stage Location - Kanniyakumari,Madurai,Nagercoil,Sankarankoil,Tirunelveli

Basic Section No. Of Openings 1 External Title Credit Manager Employment Type Permanent Employment Category Field Closing Date 21 Jun 2025 Organisational Skills Skill Sales Highest Education No data available Working Language No data available About The Role Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager Credit Manager

Basic Section No. Of Openings 1 External Title Branch Credit Manager Employment Type Permanent Employment Category Office Closing Date 08 Jun 2025 Organisational Entity Equitas Small Finance Bank Business Unit Assets Division/Function (SBU) Emerging Enterprise Banking Department VF Sub-Department Credit Generic Role Branch Credit Manager External Title (Job Role) Branch Credit Manager Division Emerging Enterprise Banking Zone West State Maharashtra Region Maharashtra Area W.Maha Cluster Western Maharashtra PT Location Maharashtra Branch Code 9090 Branch Name Daund Skills Skill Credit Credit Analysis Team Management Highest Education B.Com BA BBA MBA Working Language English Hindi Marathi About The Role Ensure proper credit evaluation of customers as per policy & process Conduct personal discussion with customers for evaluation of Loan proposal Support the branch team in achieving desired branch objective. Manage & Maintain TAT for Loan disbursement. Supervisor & mentor Credit officer & Officer Credit Operation. To diligently appraise loan applications in line with credit policy of the organization. Ensure Credit policies to build a good quality portfolio of the branch. Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records. Completion of PDD on time for the Loan Disbursed Ensure Quality Portfolio of the branch is Maintained Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria Maintain high standards on credit appraisal through personal understanding of customer, as appropriate supplemented by documentation provided Minimize turnaround time per application Maintain a high quality portfolio at branch level. Manage and support other operations activities at the branch. Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate Ensure that the PDD is collected and maintained as per credit norms.

Basic Section No. Of Openings 1 External Title Credit Manager Employment Type Permanent Employment Category Field Closing Date 11 Jun 2025 Organisational Skills Skill Credit Highest Education Bachelor of Arts Working Language Marathi About The Role TAT Management Achieve the Budgeted business volume for the financial year Maintain portfolio quality Portfolio Hygiene & Housekeeping

Key Roles and Responsibilities: The role entails supporting credit risk management teams of global banks in counterparty credit risk assessment of corporates. The key activities include research and analysis of global corporates to assess their credit strength. Prepare detailed credit risk assessment reports that involve analysis of factors such as the operating environment, business strength, financial strength, management strategy, market-implied parameters and external support. Prepare / update financial models or financial spreads through a combination of market databases and company filings. Assign credit ratings by using the client s proprietary framework and make subjective adjustments as necessary. Should be able to defend his/her views on the counterparty / covered entity when challenged by senior stakeholders and clients. Track market events closely and assess implications on the coverage portfolio Support project managers on ad hoc projects. Other activities may include preparing industry and country research reports, maintaining and updating financial models and company/industry specific databases and preparing news flows.

Job Description Role Requirement/Skills Commerce Graduate/ MBA or equivalent degree in finance or accounting. 6+ years of relevant working experience in invoicing or similar roles in multinational organisation. Proficiency in working with SAP and MS Applications Have operational knowledge of incoterms and its applicability. Understanding of Indian indirect taxes like GST, WHT etc. Team player with the ability to work as an individual contributor as well as partnered with colleagues across functions, culture and from all levels within the Group. Strong communication and interpersonal skills to build robust relations with various stakeholders. Be meticulous, structured, detail oriented and have a flexible approach. Demonstrate initiative and a constant process improvement mindset. Responsibilities Coordinate closely with Order Management and Sales teams to perform invoicing tasks (including resolution of invoice discrepancies) Conduct thorough review of incoterms and performance obligations to generate and issue invoices (of all types) for customers and ensuring requirements/obligations are satisfied. Ensure that invoices generated are distributed, either digitally or manually based on customers requirements . Upload invoices on customer portals for customers that require online submission of invoices on an accurate and timely basis. Work with Business/Sales on collection plan for overdue amounts & also prepare payment alternative forms. Create/release credit blocks & perform credit assessment of customers. Work with treasury on bank guarantees from customers. Job Category Finance Posting Date 13 May 2025; 00:05

Role & responsibilities oversees the creditworthiness of borrowers taking out loans secured by securities. They evaluate loan applications, assess risks, and ensure compliance with lending regulations and company policies. This role also involves managing a portfolio of LAS loans, including monitoring performance, managing delinquencies, and preparing reports for management. Key Responsibilities: Credit Appraisal: Evaluate loan applications, analyze financial statements, and assess the risk associated with the underlying securities. Underwriting: Ensure loan proposals meet underwriting standards and credit policies. Portfolio Management: Monitor loan performance, manage delinquencies, and ensure compliance with loan covenants and security cover stipulations. Risk Management: Identify and assess risks associated with LAS loans and develop strategies for mitigation. Compliance: Adhere to regulatory requirements, company policies, and industry standards. Documentation: Prepare and review loan documentation, ensuring accuracy and completeness. Reporting: Generate reports on loan portfolio performance, credit risk, and other relevant metrics. Collaboration: Work closely with sales, operations, and legal teams to facilitate loan disbursement.

Job Summary NA Key Responsibilities Deliver functional capabilities for Credit Transformation products and initiatives primarily focusing on the credit assessment process SME on the RWA calculator, which is used for RWA, RoRWA and EL calculation. Understanding regulatory requirements and business requirements to manage the change in the calculator Draft and refine user stories, including detailed acceptance criteria Consult with the Chief/Cluster/Product Owners and SMEs to prioritise and shape the product backlog, using Agile best practices for prioritisation around business value Excellent documentation skills, ability to convey complex information with objectivity and brevity Participate in and facilitate relevant scrum ceremonies such as backlog refinement, sprint planning, review, and retrospective sessions Support build and test activities Assist in implementation / rollout including UAT, user trainings, UVT and post go-live support. Proactively support Agile practices and foster a culture of continuous service improvement Drive continuous improvements on processes and user experience using a data driven, structured approach Skills and Experience Delivery focused role with good understanding of the landscape of credit and financial sector Qualifications 15-18 years of work experience in Credit and Credit Transformation activities. Understand key components of RWA calculator and workings Knowledge and experience in credit processes and policies is preferred. Experience with Agile methodology, writing user stories, prioritizing backlog, etc. is essential. Experience in managing project documentation such as user stories and test scenarios using collaboration tools Good strategic thinking in identifying solutions and selecting the best combination of practices Demonstrated ability to work effectively independently and as part of a team, including taking initiative, providing regular updates on your work, seeking, and providing support as required Discover latent customer/user needs by thinking out of the box by challenging requirements and differentiating what is needed from what is wanted Strong problem-solving and planning abilities, high improvement focus, and ability to work in a fast-paced environment Proven ability to perform under a high pressure and dynamic environment Strong communication skills and the ability to engage a wide range of stakeholders About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 170 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we cant wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www. sc. com/careers 25057

Roles and Responsibilities Conduct thorough credit assessment, appraisal, and analysis to mitigate risks. Manage credit underwriting process for Home Loans & LAP, ensuring timely disbursement of funds. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Ensure compliance with regulatory requirements and internal policies related to credit underwriting. Collaborate with cross-functional teams to resolve complex issues and improve overall performance.

Key Accountabilities & Support Actions Portfolio monitoring includes but not limited to daily / weekly monitoring of updates on all the cases under portfolio which includes daily alerts / classification of alerts into different risk category / monitoring of credit rating / financial metrics / legal cases / adverse news both positive & negative. Taking timely & appropriate action basis the changes. Timely renewal of the cases. Preparation of scorecard and testing of the same. Qualifications CA / MBA 6-7 years of Experience. Understanding of credit assessment / underwriting of multiple industry operating in India. Working in Bank / NBFC. Working in working capital division Qualifications: MBA Minimum Experience Level: 2-5 Years Report to: NA

Freshers or Minimum 1 yr of experience in any US Banking 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.

Role & responsib Job Title: Credit Manager Unsecured Business Loans Company: Sampathi Credits Pvt. Ltd. Location: Chennai, Tamil Nadu Industry: NBFC – Financial Services Experience: Minimum 3 years in Credit/Risk assessment (Unsecured Business/Retail/MSME Loans) About the Company: Sampathi Credits Pvt. Ltd. is a fast-growing Non-Banking Financial Company (NBFC) focused on empowering small businesses and entrepreneurs through accessible and innovative credit solutions. Our core mission is to bridge the credit gap by providing unsecured business loans tailored to the unique needs of MSMEs and emerging enterprises. As we continue our expansion across Chennai, we are seeking a skilled and driven Credit Manager to join our dynamic team. Key Responsibilities: Evaluate and approve unsecured business loan applications based on financial data, cash flow analysis, and risk parameters. Perform thorough credit assessments of individuals and businesses, ensuring sound lending decisions aligned with company policies. Analyze applicant financial statements, credit bureau reports, and business performance to assess creditworthiness. Monitor portfolio quality and conduct periodic reviews to identify early warning signals and mitigate risks. Work closely with the sales and collections teams to ensure timely disbursal and effective risk mitigation. Maintain documentation and ensure compliance with internal credit policies and regulatory norms. Use credit scoring models and tailor underwriting practices to balance risk and business growth. Recommend and implement credit policy enhancements based on market trends and portfolio performance. Requirements: Experience: Minimum 3 years in credit assessment for unsecured loans (Retail/MSME preferred). Industry Background: Banking, NBFC, Microfinance, or other lending institutions. Education: Bachelor's degree in Finance, Accounting, Business, or related field (MBA/CA is a plus). Strong knowledge of lending procedures, credit policies, and risk management practices. Proficient in analyzing financial statements, bank statements, and credit reports. Excellent analytical, communication, and decision-making skills. Must be based in Chennai or willing to relocate. Why Join Us? Be part of a high-growth NBFC committed to financial inclusion. Opportunity to shape and influence credit policy in a dynamic lending environment. Competitive salary and career advancement opportunities. ilities Preferred candidate profile

About The Role Job requirements: Function Credit Card - Credit Role Credit Underwriters Designation M2 Grade CTC 4 Lakhs to 5 Lakhs max (do not disclose the CTC) Experienced Minimum 2 years"™ experience in Underwriting (preferably Credit Cards) Location Goregaon & Thane (candidates staying about an hour max from office location). Job Role: To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report every month. Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Job Summary: We are seeking a detail-oriented and analytical Credit Officer with expertise in GST analysis, ITR evaluation, and balance sheet assessment. The ideal candidate will have a strong finance background and will be responsible for evaluating creditworthiness, conducting risk assessments, and ensuring compliance with financial regulations. Key Responsibilities: 1. Financial Analysis & Credit Assessment: • Analyze GST returns, ITR (Income Tax Returns), and balance sheets to assess an applicants financial health. • Evaluate loan applications based on cash flow, revenue trends, and overall creditworthiness. • Assess profit & loss statements, debt obligations, and working capital requirements to make informed credit decisions. 2. Risk Management & Compliance: • Conduct thorough risk assessments to minimize default risks. • Ensure compliance with internal credit policies, RBI guidelines, and financial regulations. • Identify potential bad debts and high-risk borrowers. 3. Loan Processing & Approval: • Work closely with applicants to verify financial documents and ensure accuracy. • Approve or reject loan applications based on data-driven analysis. • Collaborate with underwriting teams to structure loans effectively. 4. Customer Interaction & Advisory: • Explain credit terms, interest rates, and repayment structures to applicants. • Provide financial insights to customers for better loan management. • Assist clients in understanding financial statements and tax implications on credit. 5. Documentation & Reporting: • Maintain detailed reports on credit evaluations and loan approvals/rejections. • Prepare financial summaries for senior management review. • Ensure timely updates on loan disbursements and outstanding payments. Required Skills & Qualifications: • Bachelors/Masters degree in Finance, Accounting, Economics, or a related field. • Strong knowledge of GST filings, ITR analysis, and balance sheet interpretation. • Expertise in financial ratios, cash flow analysis, and credit assessment techniques. • Proficiency in loan management software and financial tools (Tally, Excel, or banking software). • Excellent analytical, decision-making, and problem-solving skills. • Strong understanding of banking regulations, lending policies, and credit risk management. Preferred Experience: • 2-6 years of experience in credit analysis, financial assessment, or lending. • Prior experience in banking, NBFCs, or financial institutions is preferred. NOTE- People from Noida & Greater Noida are only Preferred.

Role & responsibilities Develop and implement credit policies and procedures in alignment with regulatory requirements and company objectives. Manage the credit underwriting process, including evaluation of loan applications, credit scoring, and approval/rejection decisions. Monitor and analyze credit portfolio performance, identifying areas of improvement and implementing strategies to mitigate risk. Conduct periodic reviews and audits to ensure adherence to credit policies and regulatory standards. Provide leadership and guidance to the credit team, fostering a culture of accountability, professionalism, trust and continuous learning. Recruit, train and develop a high-performing credit team capable of meeting organizational goals. Set performance targets and KPIs for the team, regularly assessing performance and providing feedback for improvement. Manage budgetary allocations for the credit department, optimizing resource utilization and controlling cost effectively. Preferred candidate profile Minimum of 10 - 15 years of experience in credit management within the financial services industry, with at least 3 years in a managerial role. Proven track record of successfully managing credit operations, implementing credit policies, and achieving business objectives. Experience in Business Loan is mandatory

Job Title: Credit Executive / Credit Manager -Agricultural Lend Location: Dunlop (Near Bara Nagar Metro Station), Kolkata Job Type: Full-Time Salary: As per Industry Standards Job Summary: We are looking for a dedicated and experienced Credit Executive/Manager to join our Credit Management team, with a specialized focus on agricultural loan processing. The ideal candidate will bring 4-6 years of experience in agricultural lending, credit underwriting, loan disbursement, and agriculture-specific-credit risk assessment, preferably in NBFCs or cooperative banking sectors. Key Responsibilities: 1. Agricultural Credit Assessment Evaluate agricultural loan applications including crop loans, equipment loans, and seasonal finance. Assess applicant creditworthiness using credit reports, farm financials, and feild data. Make informed decisions on loan approvals based on risk profiles and lending policies. Engage with rural customers to explain loan terms and repayment structures. 2. Loan Disbursement & Processing Oversee the end-to-end processing and disbursement of agri-loans. Ensure accurate documentation and compliance with internal credit policies and regulatory norms. Maintain quality checks for disbursal processes and turnaround me. 3. Risk Management & Compliance Conduct agricultural credit risk assessments and recommend mitigation strategies. Monitor borrower performance and take prevenve acons in cases of potenal delinquencies. Ensure adherence to NBFC and RBI regulatory frameworks for rural/agriculture lending. 4. Portfolio Monitoring & Reporting Regularly review the agricultural loan portfolio to identify stress signals and areas for improvement. Optmize credit performance and minimize losses through data-driven decision-making. 5. Cross-functional Collaboration Work in sync with Legal, and Field Teams to resolve credit-related issues. Guide junior team members in agri-lending processes and best practices. Qualification: Bachelor's degree in Agriculture, Finance, Business Administration, or related-field. 4-6 years of experience in agricultural lending and credit underwriting within NBFCs or cooperative banks. Deep understanding of agri-loan products, rural customer profiles, and agri-risk frameworks. Proficiency in credit scoring models and agricultural loan software/tools. Strong interpersonal, analytical, and decision-making skills.

Responsible for managing the hotel's credit and receivable operations, ensuring compliance with credit policies, and minimizing bad debts. Analyze and authorize credit for new and existing customers Required Candidate profile Having experience in hotels in credit department