626 Credit Assessment Jobs - Page 8

We are looking for a skilled Branch Receivable Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 4-7 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee the daily operations of the branch receivables function. Develop and implement strategies to improve cash flow and reduce bad debts. Collaborate with cross-functional teams to resolve customer complaints and issues. Analyze financial data to identify trends and areas for improvement. Ensure compliance with regulatory requirements and internal policies. Maintain accurate records and reports of branch receivables transactions. Job Requirements Strong knowledge of accounting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficient in Microsoft Office and other relevant software applications. Strong analytical and problem-solving skills. Experience working in a similar role within the BFSI industry is preferred.

We are looking for a skilled Branch Receivable Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 4 years of experience in the BFSI industry, with a strong background in managing receivables and driving business growth. Roles and Responsibility Manage and oversee the branch's receivable portfolio, ensuring timely payments and minimizing bad debts. Develop and implement strategies to improve cash flow and reduce receivables. Collaborate with cross-functional teams to resolve customer complaints and issues. Analyze financial data to identify trends and areas for improvement in receivables management. Ensure compliance with regulatory requirements and internal policies related to receivables. Lead and motivate a team of receivables professionals to achieve departmental goals. Job Requirements Strong knowledge of accounting principles and practices, particularly in receivables management. Excellent communication and interpersonal skills, with the ability to work effectively with customers and colleagues. Proficiency in financial analysis and problem-solving, with attention to detail and accuracy. Ability to lead and manage a team, focusing on motivation and development. Strong understanding of the BFSI industry, including banking regulations and compliance requirements. Experience with financial software and systems, particularly in receivables management.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in the BFSI industry, preferably with a background in merchant operations. Roles and Responsibility Manage and maintain strong relationships with existing merchants to increase business growth. Identify new business opportunities and develop strategies to expand the customer base. Collaborate with internal teams to ensure seamless execution of merchant onboarding and disbursement processes. Develop and implement effective sales plans to achieve business targets. Provide exceptional customer service and support to resolve merchant queries and issues. Analyze market trends and competitor activity to stay ahead in the competitive landscape. Job Requirements Strong knowledge of BFSI products and services, particularly in merchant operations. Excellent communication and interpersonal skills to build strong relationships with merchants. Ability to work in a fast-paced environment and meet business targets. Strong analytical and problem-solving skills to analyze market trends and competitor activity. Experience working with small finance banks or similar institutions is preferred. Familiarity with regulatory requirements and compliance frameworks governing the BFSI industry.

Looking for a skilled Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in the BFSI industry, preferably in mutual fund collections. Roles and Responsibility Manage relationships with existing clients to ensure timely payments and minimize defaults. Develop and implement strategies to improve collection efficiency and reduce delinquencies. Collaborate with internal teams to resolve customer complaints and issues. Analyze market trends and competitor activity to identify opportunities for growth. Provide excellent customer service to maintain high levels of client satisfaction. Identify and mitigate risks associated with mutual fund investments. Job Requirements Strong knowledge of the BFSI industry, particularly in mutual fund collections. Excellent communication and interpersonal skills are required for building strong client relationships. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills are needed to analyze data and develop effective solutions. Experience working with financial products, such as mutual funds, is an advantage. Familiarity with regulatory requirements and compliance procedures is essential.

We are looking for a highly skilled and experienced Assistant Branch Manager to join our team at Equitas Small Finance Bank in the BFSI industry. The ideal candidate will have 4 to 9 years of experience. Roles and Responsibility Manage and oversee daily branch operations, ensuring efficient workflow and customer satisfaction. Develop and implement strategies to boost sales and revenue growth. Lead and motivate a team of staff members to achieve their full potential. Build and maintain strong relationships with customers, addressing their needs and concerns. Ensure compliance with regulatory requirements and internal policies. Analyze market trends and competitor activity to identify new business opportunities. Job Requirements Strong knowledge of the BFSI industry, particularly in mutual funds. Excellent leadership and management skills, with the ability to motivate teams. Proven track record of driving sales and revenue growth. Strong communication and interpersonal skills, enabling building relationships with customers and colleagues. Ability to analyze market trends and develop effective strategies. Experience in managing and supervising a team of staff members.

We are looking for a skilled Relationship Manager to join our team at Equitas Small Finance Bank, with 3-4 years of experience in the BFSI industry. The ideal candidate will have a strong background in micro mortgages and excellent relationship management skills. Roles and Responsibility Manage relationships with existing clients to ensure timely repayment of loans and maintain high customer satisfaction. Identify new business opportunities through networking and referrals to expand the client base. Conduct thorough credit assessments and provide personalized solutions for clients. Develop and implement effective sales strategies to achieve business targets. Collaborate with internal teams to resolve client queries and issues promptly. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with diverse client groups and building long-term relationships. Familiarity with banking regulations and compliance requirements.

Job Title: Credit Underwriter Key Responsibilities Evaluate loan applications for microfinance products by analyzing financial data, credit history, and repayment capacity. Conduct video calls to verify borrower information and assess creditworthiness. Collaborate with loan officers and branch teams to ensure accurate documentation and risk profiling. Prepare credit appraisal memos and recommend loan approvals or rejections. Monitor portfolio quality and flag early warning signals for delinquency. Ensure compliance with internal credit policies and regulatory guidelines. Provide feedback to product and risk teams for continuous improvement of underwriting models. Familiarity with credit scoring models, KYC norms, and NBFC/MFI regulations. Only experienced candidates can apply for the job

Independently assess and underwrite loan proposals Perform in-depth financial analysis Adhere internal credit policies and regulatory compliance Monitor credit quality of the underwritten portfolio Liaise with Technical, Legal, and FI agencies Required Candidate profile B.Com/M.Com/MBA Finance/CA Minimum 2–4 years of experience in mortgage lending

Manage credit processing for corporate lending. Verify and validate customer KYC. Review and validate credit applications Financial Analysis Generate and manage MIS reports Required Candidate profile B.Com/M.Com/MBA Finance Minimum 2–3 years of experience in lending Strong understanding of credit underwriting processes and regulatory requirements Excellent documentation and record-keeping skills

Roles and Responsibilities Conduct credit analysis, appraisal, and assessment of loan applications within TAT. Perform pre-underwriting activities such as data verification, KYC checks, and collateral evaluation. Ensure compliance with regulatory requirements and internal policies during the entire loan processing cycle. Collaborate with sales teams to provide timely approvals and disbursements for customers' financial needs. Identify potential risks and escalate them to senior management for further review.

Essential Qualifications: Role directly reports to Positions that reports into this role Area Manager - Credit Underwriting • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate • 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) • Deep experience & understanding of retail financial services across NBFCs, banking Essential Experience / skills: • Knowledge of local markets and trends in retail lending • Understanding of local business and micro economy • Ability to work under tight deadlines and to prioritize conflicting and changing priorities • Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams • Strong customer focus and management of stakeholder expectations • Strong analytical & communication skills (written & verbal) • Should be willing to adapt to digital tools and processes Roles and responsibilities • Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales • Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD • Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD • Analyse all customer related information in line with credit & risk policy to check eligibility • Understand actual business income & expenses (other than reported income) of customer • Interpret results of financial analysis, banking analysis and bureau reports • Study, analyse and interpret legal & technical reports of property and other internal check reports • Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility • Revert on post sanction conditions prior to disbursement based on queries raised by the team • Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix • Co-ordinate and communicate with different departments • Maintain TAT as per guidelines • Adhere to the policy/ process laid out by the Central team on all loan applications being processed • Closely monitor on non-starters/first EMI bounce trends • Ensure compliance on all aspects stipulated by company and regulatory committees • Maintain and report various MIS to monitor portfolio performance and risk • Continuously improve underwriting capability based on portfolio performance Core Competency: • Strong Management and Leadership Skills - Lead by example with good team management skills • Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence • Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams • Team - Work & Collaboration - Fosters a culture of trust, collaboration and support • Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback • Innovation Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success • Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships

Essential Qualifications: Role directly reports to Positions that reports into this role Area Manager - Credit Underwriting • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate • 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) • Deep experience & understanding of retail financial services across NBFCs, banking Essential Experience / skills: Knowledge of local markets and trends in retail lending • Understanding of local business and micro economy • Ability to work under tight deadlines and to prioritize conflicting and changing priorities • Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams • Strong customer focus and management of stakeholder expectations • Strong analytical & communication skills (written & verbal) • Should be willing to adapt to digital tools and processes Roles and responsibilities • Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales • Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD • Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD • Analyse all customer related information in line with credit & risk policy to check eligibility • Understand actual business income & expenses (other than reported income) of customer • Interpret results of financial analysis, banking analysis and bureau reports • Study, analyse and interpret legal & technical reports of property and other internal check reports • Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility • Revert on post sanction conditions prior to disbursement based on queries raised by the team • Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix • Co-ordinate and communicate with different departments • Maintain TAT as per guidelines • Adhere to the policy/ process laid out by the Central team on all loan applications being processed • Closely monitor on non-starters/first EMI bounce trends • Ensure compliance on all aspects stipulated by company and regulatory committees • Maintain and report various MIS to monitor portfolio performance and risk • Continuously improve underwriting capability based on portfolio performance Core Competency: • Strong Management and Leadership Skills - Lead by example with good team management skills • Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence • Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams • Team - Work & Collaboration - Fosters a culture of trust, collaboration and support • Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback • Innovation Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success • Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships Regards, Nagapurniah Email : nagapurnaiah.madugula@piramal.com Ph : 9000498401

Role & responsibilities: Outline the day-to-day responsibilities for this role. Preferred candidate profile: Specify required role expertise, previous job experience, or relevant certifications. Perks and benefits: Mention available facilities and benefits the company is offering with this job.

We are seeking a results-driven and detail-oriented Credit Manager to join our dynamic team in Hyderabad. The ideal candidate will have 3–5 years of hands-on experience in credit assessment, risk evaluation, credit policy implementation.

As a Collection Officer at Kinara Capital, you will be responsible for managing and optimizing the collection process for our loan portfolio. Your primary goal will be to ensure timely repayments from clients while building and maintaining positive relationships with borrowers. You will also analyze accounts to identify delinquent payments, communicate with clients regarding their outstanding dues, and develop tailored payment plans to facilitate smooth collections. Your role will involve collaborating with other departments to address client queries and mitigate potential financial losses. Key Responsibilities: - Contact clients via phone, email, or in-person to follow up on overdue payments. - Maintain accurate records of interactions and payments in the company database. - Analyze account statuses and conduct collection efforts based on established protocols. - Negotiate payment arrangements and provide clients with options to resolve their debts. - Prepare and send out collection notices and legal communications when necessary. - Work collaboratively with the customer service and credit assessment teams to resolve issues affecting payment schedules. - Monitor and report on collection metrics and provide insights for process improvements. - Stay informed of industry best practices and regulatory requirements related to collections. Skills and Qualifications : - Strong communication and negotiation skills. - Ability to handle difficult conversations with professionalism and empathy. - Excellent analytical and problem-solving abilities. - Familiarity with financial products and services, especially in lending and credit. - Strong attention to detail and organizational skills. - Time management skills to handle multiple accounts efficiently. - Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint). - Experience with debt collection software and CRM tools is a plus. Preferred Qualifications: - Bachelor s degree in finance, business administration, or a related field. - Proven experience in collections, credit, or customer service roles. - Knowledge of legal regulations and compliance issues in collections. If you are a driven professional with a passion for financial services and a knack for fostering positive client relationships, we invite you to apply for the Collection Officer position at Kinara Capital.

As the Area Collections Head at Kinara Capital, you will be responsible for overseeing and managing the collections process across assigned territories. Your primary focus will be to ensure the timely recovery of loans and minimize the delinquency rates while maintaining a positive customer relationship. You will lead a team of collection agents, develop strategies to enhance collections efficiency, and implement best practices for credit recovery. Your role will involve analyzing collection metrics, preparing reports for management, and collaborating with other departments to improve overall operational performance. Key Responsibilities: - Lead and manage the collections team in the assigned area to achieve collections targets. - Develop and implement effective collections strategies to reduce overdue accounts. - Monitor and evaluate collection processes and performance metrics. - Conduct regular training sessions for collection agents to improve skills and performance. - Collaborate with the risk management and credit assessment teams to identify potential issues. - Prepare detailed reports and present findings to senior management. - Build and maintain strong relationships with customers to facilitate effective collections. - Ensure compliance with regulatory requirements and internal policies related to collections. - Resolve escalated customer issues and disputes regarding collections. Required Skills: - Strong leadership and team management skills. - Excellent communication and interpersonal skills. - Proficiency in negotiation and conflict resolution. - Analytical skills with the ability to interpret data and make informed decisions. - Familiarity with collection software and tools. - Knowledge of legal and regulatory aspects of collections. - Ability to work under pressure and meet tight deadlines.

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS 3 Grade : JM3 4 Department : SECURED UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environmentslive Organizational values.

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environmentslive Organizational values.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Key Objective of the Job: Credit analysis of proposal and preparation of credit notes. Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality. Meeting new customers and existing customers on regular basis Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures Ensure continuous monitoring for all high value exposures in the region. Major Deliverables: Quality of Credit Underwriting Portfolio Performance w.r.t. delinquencies, deferrals, Annual reviews/ renewals etc Portfolio Monitoring To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc To raise early warning signals for exit of stress accounts and take due measures for timely exit. To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.

Role & responsibilities • Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. • Verifying the promoters track record & ascertaining their credit worthiness. • Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position • To ensure Bounce Rate and Delinquency are within acceptable standards. • Monitor and enforce approval rate and TAT as per prescribed standards. • Monitor and ensure that monthly Branch audit scores satisfactory. • Vendor Management. • To conduct customer meeting to evaluate credit proposal • PDD Tracking and closure • Compliance to repayment instrument replenishment to ensure regular repayment of EMI Preferred candidate profile Credit Decisions •Take sound lending decisions based on available information & interactions with the applicants. •Manage credit quality and control delinquencies, frauds. Monitoring Performance •Managing performance in terms of key drivers i.e. o Loses / Portfolio quality parameters o Cost of credit administration o Employee Productivity •Graduate/Postgraduate. •4-6 years Credit/Underwriting experience. •Understanding of portfolio metrics. •Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.