626 Credit Assessment Jobs - Page 7

Manage credit risks and assess creditworthiness. Make loan decisions and ensure a high-quality credit portfolio. Develop and manage credit policies and risk scoring models. Monitor delinquency trends. Required Candidate profile FEMALE ONLY Must have working exp in Credit Dept. Affordable Housing sector, handling HL (Home Loans) & (Loan Against Property) underwriting. Ready for physical PDs in and around the city. Perks and benefits Highest salary, Incentives, Bonus, All allowances

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPA’s(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have CA Graduate (Fresher/Experience)

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have CA Graduate (Fresher/Experience)

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have CA Graduate (Fresher/Experience)

Role & responsibilities Disbursement Officer Preferred candidate profile Candidate should have home loan & LAP DO experience

Role & responsibilities Disbursement Officer Preferred candidate profile Candidate should have home loan & LAP DO experience

Role & responsibilities Disbursement Officer Preferred candidate profile Candidate should have home loan & LAP DO experience

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

Role & responsibilities Job Purpose: To manage and oversee the credit underwriting function for Loan Against Property (LAP) for the assigned region, ensuring high-quality credit appraisal, policy adherence, and portfolio health, while supporting business growth objectives. Key Responsibilities: Credit Appraisal & Underwriting: Evaluate and underwrite LAP proposals in line with company policy and risk appetite. Analyze borrower financials, property documents, market valuation, and credit bureau reports. Ensure timely processing of files to support business turnarounds. Team & Stakeholder Management: Manage and guide a team of credit officers/managers across the region. Collaborate with sales, operations, and legal teams to streamline the credit approval process. Conduct regular training and development sessions for the team. Policy Compliance & Risk Management: Ensure adherence to internal credit policies, regulatory guidelines, and audit requirements. Identify early warning signals and initiate corrective measures for high-risk accounts. Recommend modifications to credit policy based on regional portfolio performance. Portfolio Quality: Monitor disbursed portfolio quality through periodic reviews and field visits. Ensure healthy portfolio performance and minimize delinquency and NPAs. Conduct post-disbursement checks and field investigations where required. MIS & Reporting: Prepare and present region-wise credit reports, portfolio analysis, and risk metrics. Share actionable insights with senior management for strategic decisions. Preferred candidate profile Graduate/Postgraduate in Finance, Commerce, or a related field. CA/MBA preferred. 712 years of experience in credit underwriting, with strong exposure to LAP segment. In-depth knowledge of credit appraisal, property legal & technical evaluation, and risk analysis. Strong analytical, decision-making, and leadership skills. Regional market understanding and hands-on field experience preferred.

Credit Manager-Mass Market Designation: Credit Manager Grade: Senior Executive Reporting to: Area Credit Manager Location: Mumbai & Pune Function: Risk (Underwriting) Job Purpose: The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans Role: Credit assessment and underwriting of mortgage loan applications based on product and policy norms end to end from login to disbursal of loans Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials Disbursal of Mortgage Loans including all checks and verifications Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices In-person meetings and discussions with clients Responsible for maintaining the processing TAT Participate in and clear regular internal and external audits Vendor management, including quality monitoring Qualification & experience Years of experience :3 to 5 years preferred Mandatory Qualification :MBA in Finance Full time/CA Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios Essential skills Ability to work in unstructured and evolving situations with an open mind Adhere to expected TAT without compromising on quality Work collaboratively with Sales and Operations team in the location to achieve strategic business goals Ability to understand customer needs and be responsive Technology skills understanding of and working with existing market technologies in the mortgage industry

We are looking for a highly motivated and detail-oriented Credit Analyst with hands-on experience in financial modeling and fundraising for real estate projects. This role is crucial in evaluating project viability, supporting funding efforts, and collaborating with lenders and investors. The ideal candidate should possess a strong understanding of real estate finance, credit risk, and project evaluation frameworks. Key Responsibilities: Financial Modeling & Analysis Build and manage comprehensive financial models for real estate projects, including revenue forecasts, cost estimations, cash flow projections, IRR, ROI, and break-even analysis. Conduct scenario and sensitivity analyses to assess the financial health and viability of projects under varying conditions. Credit Assessment Perform credit analysis for the company and individual projects. Evaluate financial statements, assess debt-servicing capacity, and prepare credit notes for internal and external stakeholders. Fundraising & Investor Collateral Prepare detailed Information Memorandums (IMs) , investor presentations, teasers, and loan proposals tailored for banks, NBFCs, and private investors. Support due diligence processes and respond to investor queries. Liaison with Lenders Engage with banks, NBFCs, rating agencies, and institutional investors for fundraising initiatives. Facilitate documentation, compliance, and disbursement processes in coordination with legal and finance teams. Project Feasibility & Evaluation Conduct project-level feasibility assessments, incorporating factors like sales velocity, construction timeline, funding requirements, and regulatory implications. Support decision-making on new launches, land acquisition, and joint development opportunities. Market Research & Benchmarking Track real estate funding trends, benchmark debt/equity structures, and monitor market-based interest rates and financial covenants. Stay updated on RERA and regulatory developments affecting funding strategies. MIS & Reporting Maintain dashboards and reports on fundraising status, loan covenants, disbursement schedules, and financial metrics. Provide timely updates to senior management on project financials and funding pipelines. Qualifications & Requirements: Bachelors or Masters degree in Finance, Accounting, Economics, or a related field (CA or MBA Finance preferred). 3 to 5 years of relevant experience in credit analysis, financial modeling, or project finance, preferably within the real estate or infrastructure sectors. Advanced proficiency in Excel and financial modeling. Strong analytical and problem-solving skills with a good understanding of project finance concepts. Effective communication and presentation skills, with the ability to work independently and manage multiple priorities. Preferred Skills Prior experience in real estate project modeling, including sales-linked inflows, construction-linked outflows, and structured drawdowns. Familiarity with lender expectations, term sheets, and financing instruments. Working knowledge of RERA, stamp duty regulations, and real estate-specific financial nuances

Responsible for coverage of clients and investors to advance business relationships and for origination of private credit transactions Liaising with various internal stakeholders such as Trading, Credit Risk, Compliance, Legal etc. to enable smooth execution of transactions Evaluating investment opportunities by undertaking fundamental credit assessment of companies from a credit underwriting lens Preparing credit memos detailing credit considerations to enable lending decisions for the Investment Committee Leading the structuring, reviewing, and finalizing transaction-related legal documentation Required Qualifications, Capabilities, and Skills Minimum of 6 years of relevant experience in private financing or related fields A well-rounded academic background from a top-tier educational institution. Strong leadership and strategic thinking skills, with the ability to navigate complex financial environments Excellent communication and negotiation skills, with experience in managing high-level client relationships Proven ability to work collaboratively across multiple business lines and geographies Preferred Qualifications, Capabilities, and Skills Experience in private financing or related fields Ability to engage effectively with diverse stakeholders and drive business growth

Role & responsibilities Handling Credit and Operational issues. Monitoring vendors Like Field Investigating agencies and maintaining TAT. Responsible for Effective TAT Management. Understanding & Managing Process adherence Documentation & File Processing Taking care of RIC verification of customer documents. Taking care of audit queries on data entry. Preparing local business MIS. Assessing overall Credit Eligibility of customer & recommended the case to higher authority • Policy -Deviation Tracking. Post disbursal document tracking and updation in system Key Responsibilities Responsible for Process and Policy Adherence. Responsible for Effective Cost Management. Preferred candidate profile Graduate. • 3-6 yrs experience. Good communication and pleasing personality. High level of Self Drive/Enthusiasm \ Desirable Skills • Good communication and pleasing personality. • High level of Self Drive/Enthusiasm Contact Suresh HR (9885101683

Good experience in credit monitoring - financial modelling and credit risk assessment memos Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology.

Credit Process Associate / Credit Underwriter Location: Bangalore Experience: 1-3 years Qualification: Bachelor's/Masters degree in Finance, Accounting, Economics, or a related field Job Responsibilities: Analyze financial statements, credit reports, and other relevant documents to assess creditworthiness. Conduct risk assessments and determine credit limits for loan applicants. • Evaluate applications based on predefined credit policies and regulatory guidelines. Collaborate with sales teams, risk teams, and other stakeholders to streamline credit decision-making. Monitor borrower profiles and maintain updated records of credit approvals. • Identify potential risks and recommend risk mitigation strategies. • Ensure compliance with company policies, regulatory requirements, and industry standards. Work on automation tools and credit scoring models for efficiency improvement. • Prepare detailed reports on creditworthiness, approvals, and rejections. Skills & Qualifications: Strong analytical and financial assessment skills. Knowledge of credit policies, financial ratios, and lending principles. Proficiency in financial modeling and risk assessment tools. Good communication and decision-making abilities. Experience with credit assessment software and databases (preferred) Interested and experienced candidates can apply by: Call/WhatsApp: 9205488912 (Pragati) Email: pragti.saxena@cielhr.com

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 .

Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion Maintain database of prospects, meet select prospects and manage the relationship thereafter Follow up on leads provided by call center / liabilities team within defined TAT Cross sell other products of Ujjivan and pass quality leads to respective officers/staff Share customer insights/product related feedback with the Cluster Manager HL Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long term perspective Conduct the appraisal process of potential customers in a courteous manner without compromising quality Guarantee confidential treatment of all the information gathered from customers Internal Process Carry out the pre and post-loan activities related to Unsecured loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customers business and home to do the assessment/evaluation, following the Operations Manual procedures. Analyze and evaluate the loan applications, to determine the situation of the business, establish the risks, determine the capacity of repayment and the adequate loan amount for the customer's needs, and also evaluate the family situation and stability Visit the guarantor/collateral contact, explain about his/her role during the loan term Cooperate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through CRM Microfinance. Inform the customer about the Credit Committee decision Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements Perform loan utilization check and follow up on the disbursed loans, especially of the ones not paying on time In case of arrears, visits customers and guarantors for the loan recovery and coordinate with collections officer to update the status periodically Learning & Innovation Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in the branch Inform Branch Head about the demand in his/her assigned area as well as on the competition on a regular basis in consultation with CRM Microfinance. Ensure adherence to training man-days/ mandatory training programs for self Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

KEY ROLES & RESPONSIBILITIES The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions. Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Other activities include preparing industry databases and reports. Preparing a detailed peer analysis on the operating and financial side. Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances. Assist ADs/Director on pilot assignments and prepare collaterals. Engage with client teams proactively and suggest new ideas to enhance client engagement Support the client with any ad-hoc research requests including sector research Responsible for process initiatives and quality improvements of the team. Content review, mentor and train new hires in the team FUNCTIONAL & BEHAVIOURAL KNOWLEDGE Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics. Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Willingness to be fungible across sectors and regions. Excellent report writing and communication skills. Ability to identify key characteristics and drivers of sectors assigned. Credit assessment and analysis (or financial analysis), including business, financial and management profiling. Experience in portfolio monitoring and credit analysis Good understanding of banking regulations, calculation of key credit metrics and capital ratios Reasonable understanding of banks internal systems PROBLEM SOLVING Identifies and resolves complex research issues and team problems Assist in solving complex problems related to financial modeling INTERACTIONS Team player and good team handling skills Excellent client management skills TYPICAL SCOPE & IMPACT Impacts the quality and effectiveness of own team MINIMUM & PREFERRED EDUCATION MBA or CA or Master’s degree preferred; CFA certification is a plus MINIMUM & PREFERRED EXPERIENCE / SKILLS 6 to 10 years of work experience High level of attention to detail and accuracy; Diligence and hard work Ability to work under stringent timelines Prior experience in credit research or credit risk assessment along with report writing experience is mandatory. Prior experience in GenAI, people and content management are a plus Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Good understanding of MS office products

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-3 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Build strong relationships with customers and stakeholders. Monitor and report on credit performance metrics. Collaborate with cross-functional teams to achieve business objectives. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Experience with credit management software and systems. Strong attention to detail and organizational skills.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 14 years of experience in the BFSI industry, with expertise in credit management. Roles and Responsibility Manage and analyze credit data to make informed decisions on loan approvals. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Conduct thorough credit assessments and provide recommendations for approval or denial. Monitor and report on credit portfolio performance, identifying areas for improvement. Stay up-to-date with regulatory changes and industry trends to ensure compliance. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, problem-solving, and communication skills. Ability to work effectively in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong understanding of financial mkets, instruments, and institutions. Experience working with diverse stakeholders, including customers, colleagues, and external partners.

We are looking for a skilled Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 5-12 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and control credit portfolio quality and growth. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. 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 teams and driving business results. Competitive salary and benefits will be offered to the right candidate.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 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 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 credit software and systems. Strong attention to detail and organizational skills.