186 Credit Evaluation Jobs - Page 4

As a Credit Manager, you will be responsible for assessing the creditworthiness of potential customers, evaluating financial information, and approving or denying credit to customers based on company policies. You will also be tasked with managing the company's overall credit exposure and risk management, ensuring that credit policies and procedures are followed. In addition, you will work closely with sales and finance teams to develop strategies for minimizing credit risk while maximizing sales and profitability. Strong analytical skills, attention to detail, and excellent communication skills are essential for success in this role.,

The role of Head of Credit for Corporate Finance at our client, a leading NBFC organization, involves leading the credit strategy and ensuring robust credit risk management for business units including SME, Supply Chain, and Leasing. Your responsibilities will include developing and implementing credit strategies tailored to specific business segments, collaborating with the executive team to align credit objectives with the company's strategy, and ensuring compliance with regulatory requirements. You will be responsible for designing and maintaining a comprehensive credit risk framework, overseeing the assessment and approval of credit proposals, and monitoring portfolio performance to identify potential risks and take corrective actions. Operational excellence will be a key focus, including establishing streamlined credit evaluation processes, implementing robust credit scoring models, and collaborating with the collections team for effective recovery strategies. As a leader, you will build and lead a high-performing credit team, foster a culture of accountability and innovation, and provide continuous training on emerging trends in credit risk management and financial technologies. Stakeholder engagement is also essential, involving close collaboration with sales, product, and finance teams to develop risk-adjusted products, as well as liaising with regulators, auditors, and other stakeholders on credit-related matters. The ideal candidate will possess professional qualifications such as CA/CMA/MBA&PGDM from a premium college or equivalent, along with a minimum of 15+ years of experience in credit risk management, preferably in SME/WC/MTL, Supply Chain Finance, and leasing domains.,

Underwriting / Appraisal of credit proposals in line with the policy within the laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights

STCI Finance Limited - Head Credit STCI Finance Ltd : Career Careers / Current Vacancy Head Credit - MSME Role & Responsibility Build a strong credit function in consultation with Head MSME Lending Develop credit underwriting & approval systems for secured MSME loans Oversee credit appraisal and ensure portfolio quality with strong risk controls and early warning systems; design and implement tech-enabled credit evaluation processes Monitor credit performance and drive refinements in credit strategy as the business scales Age, Qualifications & Experience 40 to 45 years - Post Graduate degree in Finance or CA 15 -20 years experience in BFSI of which 8-10 years in Credit; 5 or more years managing the Credit function/underwriting independently for / SME / MSME lending in a Bank/NBFC Demonstrated track record of setting up and growing/building a strong credit function for a Bank/NBFC (AuM Rs 2500 crs+) Experience in digital lending/tech-based credit approval/underwriting

We are seeking an experienced credit professional with excellent communication and interpersonal skills who will be joining a dynamic and fast-paced environment. PROFILE OVERVIEW As the Credit Analyst, you will be responsible for reviewing applications by analysing financial and non-financial data, assessing credit risk, credit underwriting and client interaction. This is a mid-level position and will report to Credit Manager. EXPERIENCE: 2-3 years QUALIFICATION: Chartered Accountant JOB LOCATION: Jaipur EMPLOYMENT TYPE: Full- Time YOUR JOB ROLE AT 121 FINANCE Analyse financial data - review balance sheets, profit & loss statements, cash flow statements, collateral documents Evaluate repayment capacity, credit history, industry risks, and collateral security Verify customer information KYC, employment or business details, and credit bureau reports Liaise with customers to clarify documentation requirements and resolve queries Prepare detailed credit assessment reports and risk analysis Recommend cases to higher authorities with details Work closely with sales, credit analysts, and operations teams to ensure smooth processing WHAT WILL YOU BRING TO 121 FINANCE? Experience : 2-3 Years experience in NBFC/BFSI industry Essential Skillset required: Proficiency in MS Excel Knowledge of Credit underwriting, Credit Bureau reports Understanding of Software Tools ERP, CRM etc

Responsibilities: * Conduct credit appraisals & evaluations * Collaborate with sales team on new opportunities * Manage credit portfolio & risks * Analyze financial statements & market trends * Approve/reject loan applications Cafeteria Sales incentives

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

Job Description A Commercial Real Estate (CRE) Underwriter plays a crucial role by underwriting at an advanced level of complexity for commercial portfolios. Provide guidance to structuring, servicing, and analysis for both new and renewal credits. The underwriter identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assess and communicate risks to assist department risk mitigation strategies. Products include lines of credit, term loans, real estate loans, and syndicated loans. Key Responsibilities Underwriting: Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring Ensures all involved parties are updated on underwriting progress and outcome Analysis: Conduct thorough due diligence, including reviewing financial statements, property appraisals, rent rolls, and market studies Utilize various financial models and software to assess cash flow, debt service coverage ratios, loan-to-value ratios, and other key financial metrics Conduct cash flow analysis, sensitivity testing, and calculate DSCR/LTV/Debt Yield Sources, compiles, and interprets financial data to support structuring and approval of loans Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower Utilizes results of analysis to underwrite commercial loans Valuation: Well versed in real estate valuation methods like Gross rent multiplier (GRM), Value per door and Cost per rentable square foot Risk Management: Evaluate borrower financials, guarantor liquidity, lease terms, and market conditions using third-party reports (appraisals, environmental assessments) Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management Documentation and Compliance : Analyse loan agreements, covenants, and securitization documents for CMBS deals to ensure compliance. Prepare detailed credit memos and underwriting reports that summarize findings and provide recommendations for credit approval or denial. Ensure compliance with internal policies, regulatory guidelines, and industry standards throughout the underwriting process. Collaborate with legal and compliance teams to ensure all required documentation is complete, accurate, and properly filed. Client Interaction and Relationship Management: Work closely with loan officers, brokers, and clients to gather necessary information and clarify concerns during the underwriting process. Provide exceptional customer service by maintaining clear and effective communication with all stakeholders. Build and maintain strong relationships with clients, industry professionals, and internal teams to facilitate smooth transactions Qualification: Bachelor/master's degree in commerce, Finance & Accounting Minimum 2 to 4 years of relevant experience in CRE underwriting Willing to work in night shifts willing to work from office Interested candidate please share the profiles to priyadarshini.narayanan@cognizant.com

Role & responsibilities Job Description - Commercial Banking portfolio management. Experience - 3 year to 8years . Please share your cv at surbhi.malhotra@nlbtech.com -Evaluate financial performance of companies /borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the period. -This would include review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity. - Perform market research using various third-party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance. - Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines. - Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees. - Quality check of work performed by junior team members and provide appropriate feedback on the same. - Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well. - Understand the feedback received from the onshore team members and disseminate the same to the team. - MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics. -overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class). - Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance). -Knowledge of credit products like BLOC, Revolving credit facility, Auto Floor Plan line of credit, commercial mortgage, term facilities, subordinated notes etc. - Working experience on credit lens, LoanIQ, Salesforce - nCino, scorecard models etc. Please share your profile at surbhi.malhotra@nlbtech.com

You will be responsible for personally reviewing cases in accordance with established policies and procedures, ensuring strict adherence to quality standards. It is essential to comply with agreed Service Level Agreements (SLAs) and timelines for timely completion of assigned tasks. Your role will involve utilizing a skill set encompassing underwriting, disbursements, collateral evaluation, and coordination with various sales and operational functions. Protecting company assets will be a key aspect of your responsibilities by thoroughly evaluating credit requests, setting appropriate credit limits, and ensuring all granted loans are well-documented and secured by suitable collateral. Effective communication of credit decisions to stakeholders is crucial. You will also be tasked with enhancing underwriting efficiencies while maintaining sound risk management practices. Additionally, you will handle Loan Account Verification, conduct Cross Verifications such as Member House Visits, perform KYC checks, review bank passbooks and other documents, assess income and expenses, verify the influence of intermediaries, conduct inspections in negative areas, verify CPCChecklists, check loan cards from other lending institutions, monitor loan buckets, verify death cases, ensure branch compliances, and complete ICQ observations.,

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

The role of a Location Manager in the Risk Control Unit involves evaluating credit requirements for potential customers, both strategic and retail. This includes underwriting and preparing credit assessment notes that involve a detailed analysis of the business, management, and financials. The manager is responsible for analyzing balance sheets and other financial statements to identify risk factors. Market, competitor, and dealer visits are essential as per requirements for keeping updated on market changes. This information helps in acting proactively. Timely processing of proposals is crucial to ensure a better time to market. The Location Manager is also responsible for ensuring compliance with the terms and conditions of sanctions by liaising with Relationship Managers and the company involved. Adherence to credit policies and RBI guidelines is a key responsibility of the Location Manager. Continuous monitoring of infant delinquencies is also part of the role to maintain a healthy credit portfolio.,

The Credit Executive holds a crucial position in the credit evaluation and underwriting process for EV asset financing, specifically L3 e-rickshaws and lithium-ion batteries. Your responsibilities will include conducting comprehensive credit checks, evaluating risk profiles, verifying customer documentation, analyzing financial and non-financial data, and ensuring that all loans adhere to company policies and regulatory standards. This role is dedicated to serving individual drivers and fleet operators in urban and semi-urban markets. Your key responsibilities will involve: Credit Evaluation and CIBIL Checks: - Perform thorough credit assessments of loan applicants by scrutinizing their CIBIL score/report and other credit bureau data like Experian and CRIF. - Identify warning signs such as recent multiple loan applications, delinquency, or high EMI-to-income ratios. Document Verification and KYC: - Examine customer KYC documents such as Aadhaar, PAN, voter ID, and address proof. - Validate income proof, business ownership or employment details, and documents for informal or semi-formal income sources. - Review and confirm guarantor details and documents where necessary. Loan Approval and Compliance: - Ensure all credit decisions align with internal credit policies, product parameters, and risk tolerance. - Make recommendations for approval or rejection based on a comprehensive risk assessment. - Escalate borderline or high-risk cases to senior credit approvers or risk committees. Requirements: - Bachelor's degree in Finance, Commerce, Business Administration, or a related field. - Minimum of 3 years of experience in credit underwriting or loan processing, preferably in vehicle, EV, or asset financing. - Proficient knowledge in CIBIL and credit bureau reports, informal income assessment, and retail underwriting standards. - Familiarity with field verification, KYC norms, and documentation practices. - Detail-oriented with exceptional analytical and risk assessment skills. - Willingness to travel if required. Preferred Qualifications: - Experience in NBFCs or fintechs financing 2W/3W vehicles, EVs, or related sectors. - Understanding of low-income customer segments and Tier 2/3 lending environments. - Multilingual capabilities, particularly in regional or local dialects. - Exposure to underwriting non-prime or financially underserved customers.,

As the Credit Control Manager, you will play a crucial role in managing the credit approval process for new customers, collaborating closely with the Sales and Accounts Receivable teams. Your responsibilities will include evaluating customer creditworthiness through financial analysis, credit reports, and internal scoring tools. You will oversee daily credit control operations, such as debt collection, account reviews, and risk monitoring. Monitoring aged debt reports, identifying high-risk accounts, and handling disputed invoices will be part of your daily tasks. One of your key duties will be to develop and maintain credit risk reporting, dashboards, and key performance indicators (KPIs) for senior stakeholders. Ensuring adherence to company policies, regulatory standards, and audit requirements will be essential. You will be responsible for maintaining accurate documentation and customer records related to credit decisions and collection actions. Additionally, you will lead initiatives for continuous improvement in credit control processes and systems. To excel in this role, you should hold a degree in Finance, Accounting, Business, or a related field. Possessing a relevant professional qualification will be advantageous. With at least 8 years of experience in credit control, credit risk, or accounts receivable management, you should have a strong background in customer onboarding, credit evaluation, and collection processes. Experience collaborating with sales and finance teams in a commercial setting is crucial. Your skills and competencies will be vital to your success in this role. Strong analytical and decision-making skills are necessary, along with a deep understanding of credit risk principles and compliance requirements. Proficiency in negotiation, dispute resolution, and stakeholder management is essential. Familiarity with credit management systems, ERP platforms, and Excel is required. Effective communication and leadership skills, coupled with a proactive, solution-focused approach, will be key to driving success in this position.,

You will be responsible for personally reviewing cases in accordance with established policies and procedures while maintaining a high level of quality. It is crucial to strictly adhere to the company's standards and ensure timely completion of assigned tasks as per the agreed service level agreements (SLAs). Your role will involve utilizing your expertise in underwriting, disbursements, collateral management, and coordinating with various sales and operational functions. It is essential to safeguard company assets by thoroughly evaluating credit requests, setting appropriate credit limits, and ensuring that all approved loans are properly documented and secured by suitable collateral. You will be expected to effectively communicate credit decisions to stakeholders and work towards enhancing underwriting efficiencies while maintaining a robust risk management framework. Additionally, conducting Loan Account Verification, Cross Verification, KYC checks, and other relevant document assessments will be part of your responsibilities. Monitoring bucket movements, verifying death cases, ensuring branch compliance, and closing ICQ observations will also be integral aspects of your role.,

Role & responsibilities Job Description: We are seeking a detail-oriented and analytical Credit Analyst to join our dynamic team at [FIA Technology] . As a Credit Analyst, you will play a critical role in assessing the creditworthiness of potential borrowers, managing risk, and optimizing our lending portfolio. Responsibilities: - Conduct thorough financial analysis of loan applications to assess credit risk and determine creditworthiness. - Utilize advanced credit scoring models and analytical tools to evaluate borrower profiles. - Review and analyze financial statements, credit reports, tax returns, and other relevant documents to make informed lending decisions. - Collaborate with cross-functional teams to develop and implement credit policies and procedures that comply with regulatory requirements. - Monitor existing loan portfolios to identify potential risks and recommend appropriate actions to mitigate losses. - Conduct industry research and stay updated on market trends to inform credit decision-making processes. - Provide recommendations for loan structuring, pricing, and risk mitigation strategies. - Communicate effectively with internal stakeholders and external partners to ensure alignment on credit-related matters. **Requirements:** - Bachelor's degree in Finance, Accounting, Economics, or related field. Master's degree or professional certification (e.g., CFA, FRM) is a plus. - Proven experience as a Credit Analyst in a fintech company, bank, or financial institution. - Strong analytical skills with proficiency in financial statement analysis and credit risk assessment. - Experience working with credit scoring models and underwriting software. Knowledge of regulatory requirements and best practices in credit risk management. - Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams. - Detail-oriented and ability to thrive in a fast-paced, dynamic environment. Preferred candidate profile Only Immediate Joiner / Male candidates Perks and benefits Mobile reimbursement Insurance

About the Organization: PRP group is a financial services conglomerate with focus on both fund based and non-fund-based services. Incepted in 2013, PRP is a decade old financial services company having business verticals across Debt Capital Markets, Institutional Advisory and Investment Banking. It is one of the top 10 DCM players and has close to INR 1,42,000 crore of Assets Under Advisory. Our website: www.prpedge.com Job Summary: We are looking for a detail-oriented Credit Analyst to join our Debt Market Research team. The role involves evaluating the creditworthiness of various issuers, conducting due diligence, monitoring credit ratings, and providing actionable investment recommendations across a range of debt instruments in primary and secondary markets. Job Responsibilities: 1. Evaluate creditworthiness of issuers (Corporate, NBFCs, Sovereign, Municipal, etc.) 2. Track credit rating changes, bond covenants, and potential default risks. 3. Develop research notes, and maintain rating rationale summaries. 4. Analyze financial statements, industry developments, management strength, and regulatory developments. 5. Conduct due diligence for new issuances and monitor existing investments. 6. Provide investment recommendations for primary and secondary market opportunities in debt instruments. Qualifications and skills: 1. Preferably qualification bachelor / Master degree. 2. Experience up to 2 years. 3. Basic understanding of fields like Accounting, Finance, Economics, Debt Market, Equity Market, Mutual Fund, Portfolio Management. 4. Proficient in MS Word, advance Excel & PowerPoint. 5. Good Communication skills.

Roles and Responsibilities Conduct credit appraisal and evaluation of proposals to assess creditworthiness of borrowers. Review financial statements, cash flow analysis, and other relevant documents to determine loan eligibility. Identify potential risks and develop strategies to mitigate them during the lending process. Collaborate with internal teams to ensure seamless execution of credit decisions. Stay updated on industry trends and regulatory requirements to maintain compliance. Desired Candidate Profile 2-7 years of experience in Credit Underwriting or related field (NBFC). Strong understanding of credit analysis, credit appraisal, credit evaluation, and risk assessment principles. Proficiency in reviewing financial statements, cash flow analysis, and other relevant documents for loan eligibility determination. CA fresher can apply. Interested candidates can share their updated cv on tushar.ravalji@aavas.in or call on 9057409096

Key Responsibilities : Loan Application Processing : Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details. Ensure completeness of documents required for loan processing and disbursement. Credit Assessment & Risk Analysis : Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity. Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans. Loan Approval/Rejection : Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies. Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial. Mortgage Loan Structuring : Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines. Customer Interaction : Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans. Guide clients through the mortgage process and provide updates on the status of their loan applications. Compliance & Regulatory Adherence : Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards. Stay updated with the latest regulatory changes and implement them as necessary. Collaboration with Sales & Operations : Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing. Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers. Portfolio Management : Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults. Recommend corrective actions or adjustments for any non-performing loans. Reporting & Documentation : Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review. Maintain accurate and up-to-date records for all mortgage transactions. Customer Service : Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Key Responsibilities : Loan Application Processing : Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details. Ensure completeness of documents required for loan processing and disbursement. Credit Assessment & Risk Analysis : Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity. Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans. Loan Approval/Rejection : Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies. Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial. Mortgage Loan Structuring : Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines. Customer Interaction : Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans. Guide clients through the mortgage process and provide updates on the status of their loan applications. Compliance & Regulatory Adherence : Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards. Stay updated with the latest regulatory changes and implement them as necessary. Collaboration with Sales & Operations : Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing. Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers. Portfolio Management : Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults. Recommend corrective actions or adjustments for any non-performing loans. Reporting & Documentation : Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review. Maintain accurate and up-to-date records for all mortgage transactions. Customer Service : Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Key Responsibilities : Credit Evaluation : Assess the creditworthiness of customers applying for auto loans by reviewing their financial profiles, credit history, and loan repayment capacity. Conduct thorough checks, including background and reference verification, to ensure accurate decision-making. Loan Application Processing : Review and validate loan applications for completeness and compliance with bank policies and regulatory requirements. Ensure that all documentation is in place for loan disbursement. Risk Analysis : Identify and evaluate potential risks associated with lending to applicants. Utilize risk management tools and models to minimize credit risk exposure. Approval and Rejection of Loans : Approve or reject auto loan applications based on analysis, credit policies, and risk assessment criteria. Ensure timely communication with customers regarding loan approval or rejection. Loan Structuring : Recommend suitable loan structures, terms, and interest rates based on customer profiles and internal policies. Collaboration with Sales Team : Work closely with the sales and relationship management teams to ensure that loan products meet customer needs and expectations. Provide support for any questions or concerns related to loan terms, conditions, and eligibility. Compliance and Regulatory Adherence : Ensure compliance with the bank's internal policies , local regulations, and industry standards. Stay updated with the latest regulatory changes impacting auto loans. Customer Interaction : Assist customers with loan-related queries, provide information on loan products, and guide them through the loan application process. Foster positive relationships with customers to encourage repeat business and enhance customer satisfaction. Performance Monitoring : Monitor loan portfolio performance, including assessing the timely repayment of loans. Identify delinquent accounts and recommend appropriate action in line with the organization's policies. Reporting : Generate regular reports on loan performance, outstanding balances, and credit quality. Provide insights into loan trends, customer behaviors, and any areas for improvement.

Job Responsibilities: Evaluating the creditworthiness of potential customers based upon multiple online and offline data sources. Conducting personal discussions with customers to clarify all open questions. Decision applications based on creditworthiness and business outlook. Deciding trade credit for borrowers (lending amount & period). Adhering to strict TAT for underwriting applications Maintaining quality of underwriting as per SOP Monitoring loan payments and bad debts. Reviewing and updating the company's credit policy. Defining early warning signals to track portfolio performance. Work with policy/product/operations team to ensure the right risk parameters are captured and assessed. Vendor Management. Candidate Profile: Must have a minimum 2 years of work experience in SME underwriting for products like Invoice Finance, Business Loans; prior experience in Fintech/NBFCs preferred. Thorough understanding of SME Financing, Supply Chain Finance and Credit processes. Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement. Eye for detail/Diligent Personality. Good communication and interpersonal skills. Proficient in MS Excel and ability to bring out insights from data. Experience in setting up strong credit underwriting processes and scale them. Candidate must have experience in working on digital platforms. Must be solution oriented. Must have strong analytical skills. Interested candidates can share their updated resume on : shivani.pradeepa@m1xchange.com.

Job Summary ICSPL is seeking a seasoned Credit Control Head to lead credit management, debt recovery, and accounts receivable operations. The role ensures timely collections, minimizes credit risks, and supports smooth financial processes. Responsibilities: Maintain strong relationships with key customers to facilitate prompt payments and minimize credit risk. Ensure timely debt recovery, negotiate repayment plans, and handle escalated overdue cases. Align payments with sales invoices, reconcile accounts receivables, and resolve discrepancies. Track overdue accounts, prepare aging reports, and provide regular updates on collection performance and credit risks. Collaborate with legal teams to resolve disputes or initiate legal recovery actions when needed. Lead and mentor the credit control team to meet collection targets effectively. • Develop and implement credit control policies and monitor adherence. • Assess customer creditworthiness and set credit limits. • Handle escalated cases of overdue payments and negotiate repayment plans where necessary. Key Role Debt Recovery & Escalation Handling: Drive timely collection of outstanding payments by following up regularly with clients. Negotiate and structure feasible repayment plans for overdue accounts. Take ownership of escalated cases, using both tact and firmness to ensure recovery while preserving client relationships. Reconciliation & Payment Alignment: Ensure incoming payments are correctly aligned with sales invoices and reconcile customer accounts regularly. Identify and resolve any mismatches or discrepancies in billing and payments to maintain clean books. Team Leadership & Performance Management: Lead and mentor the credit control team, setting clear targets, KPIs, and timelines. Provide coaching and support to team members to improve their negotiation and recovery skills. Foster a performance-driven and customer-sensitive culture. Credit Policy Development & Implementation: Develop and refine credit control policies and ensure organization-wide adherence. Monitor compliance to internal credit terms and recommend improvements based on business needs and market practices. Credit Risk Assessment: Assess the creditworthiness of new and existing clients using financial and transactional data. Set appropriate credit limits and terms in consultation with the sales and finance teams to balance business growth with risk management. Qualifications Bachelors/Masters in Finance, Accounting, or related fields. 7+ years in credit control, with 3+ years in a leadership role. Expertise in ERP tools (SAP, Tally) and excellent analytical, negotiation, and communication skills

You will be responsible for conducting personal discussions on cases in accordance with the defined policies and procedures while maintaining a strict adherence to quality standards. It is essential to comply with agreed Service Level Agreements (SLAs) and timelines for the timely completion of assigned activities. Your skill set should include expertise in underwriting, disbursements, collateral management, and coordination with cross-functional sales and operational teams. Your primary duty will involve safeguarding company assets by thoroughly evaluating credit requests, establishing appropriate credit limits, and ensuring that all approved loans are well-documented and properly secured by the relevant collateral. Effective communication of credit decisions to stakeholders is crucial for this role. Furthermore, you will be tasked with enhancing underwriting efficiencies to improve risk management practices. This includes conducting Loan Account Verification, Cross Verification such as Member House Visits, KYC Checks, Bank Passbook and Document Verification, Income and Expense Assessment, Examination for the Influence of Middlemen, Negative Area Checks, CPC Checklist Verification, Verification of Loan Cards from other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliance, and Closure of ICQ Observations. Your commitment to detail-oriented assessment and adherence to regulatory and internal compliance requirements will be key to success in this role.,