186 Credit Evaluation Jobs - Page 5

As a Relationship Manager in the Large Liability Group within TBG - Wholesale Banking, your primary responsibility will be to directly manage a portfolio of Large Liability Clients. You will be tasked with sourcing New to Bank (NTB) liability customers for the bank and evaluating limited credit requirements for generating liability. Throughout the life cycle of clients, you will be responsible for managing the credit exposure effectively. Your key roles and responsibilities will include originating NTBs accounts, managing a portfolio of large Liability Group clients, and developing a large liability strategy for a specific city or region. You will be required to target top clients in the coverage geography, convert them, and originate various transactions such as CMS/Trade Processing/FX/Supply Chain Finance from Cash Rich Corporate clients. Furthermore, you will onboard clients with a solutions-based approach and co-create unique solutions where necessary. Additionally, you will be responsible for building Liquid Asset or limited Lending, including writing credit assessment memos and monitoring the same. It will also be your role to build and manage relationships with clients, increase CA balances, term deposits, CMS/Trade/FX throughputs, and maximize revenues from these services. Cross-selling other bank products like salary and wealth management to maximize share of wallet will also be part of your responsibilities. To achieve these objectives successfully, you are expected to collaborate with various Product Sales Managers, Credit Managers, and Implementation teams across all banking products. The ideal candidate for this position should have a Graduation degree in any discipline and a Post-graduation degree in any field. Additionally, you should possess 5 to 10 years of relevant experience in a similar role.,

Company Description CirclePe is a Club for trustworthy tenants aimed at eliminating security deposits from India's rental market. Members can move in with zero-security deposit by receiving Advance Rent of the Entire Lease. CirclePe is backed by OTP Ventures, IIT Delhi, 1947 Rise Fund, and other prominent investors. Role Description This is a full-time on-site Credit Officer role located in Gurgaon at CirclePe. The Credit Officer will be responsible for credit management, financial analysis, communication with clients, and evaluating creditworthiness. The role involves ensuring credit risk is minimized and maintaining strong customer relationships. Qualifications Credit Management and Financial Analysis skills Strong Analytical Skills Effective Communication skills Experience in Credit evaluation Knowledge of credit risk assessment Ability to work independently and in a team,

You will be responsible for analyzing cases in accordance with established policies and procedures while maintaining a high level of quality. It is essential to strictly adhere to the agreed service level agreements (SLAs) and timelines for the 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. In this position, you will play a key role in safeguarding company assets by thoroughly evaluating credit requests, setting appropriate credit limits, and ensuring that all granted loans are well-documented and adequately secured by suitable collateral. Effective communication of credit decisions to stakeholders will be a crucial aspect of your responsibilities. Furthermore, you will be tasked with enhancing underwriting efficiencies while maintaining a strong focus on risk management practices. Your duties will also include conducting loan account verification, cross verification such as member house visits, KYC checks, bank passbook and document verification, income and expense assessments, scrutiny for middleman influence, negative area checks, verification of loan cards from other lending institutions, bucket monitoring, death case verification, branch compliance checks, and closure of ICQ observations. Overall, your role will be instrumental in ensuring the smooth functioning of credit operations while upholding the highest standards of quality and compliance.,

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 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

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

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

Underwriting experience in Loan, preferably Unsecured Loans. Doing personal discussion with borrower. Preparing CAM (Credit Assessment Memo), ensuring proper and correct information. Checking and appraising proposals, scrutinizing documents including SOA analysis, CIBIL analysis, ensuring proper KYC etc before assigning any application to Lender with proper TAT and quality. Primary assessment & analysis of reasons of non-starter cases. Basic Financial Knowledge of Balance sheet and Profit & Loss A/c.

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

Responsibilities: * Collaborate with sales team on credit strategies * Oversee credit portfolio performance & risk management * Manage team of analysts in credit evaluation process * Communicating & Coordinating with Bankers

Associate/Manager/ Senior Manager- Business Location: Mumbai Reporting to: AVP / VP / SVP About the role: End-to-end execution of transactions in infrastructure and allied infrastructure sectors and management (monitoring) of portfolio accounts through the deal lifecycle. The person is expected to take up additional responsibilities of sourcing transactions on an incremental basis by building relationships with target groups. Key Responsibilities: 1. Industry and financial analysis 2. Developing detailed financial models for viability analysis 3. Preparation of credit presentations and appraisal notes 4. Liaising with clients for transaction activities like information gathering, due diligence, term sheets, etc. 5. Coordinating with legal counsel and the client for completing legal documentation 6. Coordinating disbursements, follow-on activities, and asset monitoring 7. Sourcing transactions by deepening relationships with existing client groups 8. Preparation of new sector presentations and sector tracking Job requirements: Experience: 1-5 years, preferably from prior experience in a bank or NBFC in Wholesale/Infrastructure financing Educational qualification : Postgraduate in Business Management / CA Functional Competencies: Strong finance and accounting fundamentals Strong analytical skills Strong modelling skills Excellent written and verbal communication skills Good Interpersonal skills Demonstrated academic excellence Behavioral Competencies: Ability to handle execution (credit evaluation, financial modelling, Credit Note preparation, Legal documentation) end-to-end, with minimal supervision. Pleasant and balanced personality with a relationship-building mindset. Role & responsibilities

We are looking for a skilled sales professional with 5 to 10 years of experience to lead our team in the emerging corporate sector. The ideal candidate will have a strong background in sales leadership, client acquisition, and relationship management. Roles and Responsibility Provide leadership and direction to the sales team, setting clear sales targets and KPIs. Lead by example in acquiring new clients, identifying prospects, and converting them into valuable business relationships. Build and maintain strong relationships with existing clients, understanding their evolving needs and providing tailored financial solutions. Ensure achievement of budgetary targets, including Net Interest Income (NII), Fee income, and Portfolio size. Manage and coach the sales team, including recruitment, training, and performance evaluations. Identify and develop new markets and segments within the emerging corporate sector to expand the business footprint. Job Minimum 5 years of experience in sales, preferably in the banking or financial services industry. Strong knowledge of credit evaluation, proposal underwriting, deal structuring, and local area network. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and team members. Ability to work in a fast-paced environment and drive sales growth. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience in cross-selling strategies to promote other retail banking products and services. A graduate degree is required; an MBA/PGDM is preferred. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to delivering exceptional customer experiences and driving business growth.

Underwriter reviews, conditions & underwrites mortgage loans as per the policies & procedures, appropriate guidelines Examines documentation accuracy &completeness Provides final approval underwriting of mortgage loans 4 C's guidelines Required Candidate profile Graduate Min 2.5yrs.exp. in conventional/govt end-to-end underwriting. Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral

Ensure the SLA and KPI Targets as specified by the client are met consistently Demonstrate strong process knowledge and lead process changes/improvement with an end-to-end understanding of the Product Conduct huddles/training for process areas Required Candidate profile 04 - 06 Yrs leadership exp. US Mortgage Income Calculations; Pre Purchase Review; Credit Report Span control would range from 80 to 200 employees including SMEs, QAs, Team Leads and AM

Ensure the SLA and KPI Targets as specified by the client are met consistently Demonstrate strong process knowledge and lead process changes/improvement with an end-to-end understanding of the Product Conduct huddles/training for process areas Required Candidate profile 04 - 06 Yrs leadership exp. US Mortgage Income Calculations; Pre Purchase Review; Credit Report Span control would range from 80 to 200 employees including SMEs, QAs, Team Leads and AM

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

Job Summary: The Senior Credit Underwriter - Unsecured Loans is responsible for assessing and approving credit applications. The role involves detailed financial and non-financial analysis of applicants, with a strong focus on credit risk mitigation, policy adherence, and portfolio quality. The underwriter will also support the development of credit frameworks and guide junior team members. Key Responsibilities: Evaluate unsecured loan applications within defined TATs and risk parameters. Analyze applicant profiles using financial statements, bank statements, credit bureau reports (e.g., CIBIL, Experian), and alternate data sources. Approve or recommend decisions within delegated authority; escalate cases requiring higher approval levels. Monitor post-disbursal performance and provide inputs for early warning systems by bounce audits. Collaborate with sales, collections, fraud control, and operations to ensure seamless credit processing. Provide mentoring and training to junior underwriters or credit analysts. Highlight if any fraud parameter or business wise any fraud angle is seen. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or related field or MBA in finance. Minimum 2-3 years of experience in unsecured loan underwriting. Experience with credit decision engines, LOS (Loan Origination Systems), Novel pattern or any other API tools. Familiarity with regulatory guidelines (RBI, NBFC, fintech norms).

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

SECTION I:Job Title Credit Manager Grade Manager or Senior Manager SECTION II: ROLE SUMMARY Ensure quality Appraisal of credit for worthy borrowers for Business Loan product. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hind sight and Internal audit observations Conduct monthly Regional Council Meetings with all the stakeholders. SECTION III: KEY RESPONSIBILITIES Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer Assessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basis Managing a team & drive the results/ goals set for self & Team. Core Responsibilities Assessment of credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level Monitoring of delinquency, exceptions , portfolio movement. Maintaining data as required by the Senior Management People Management or Self-Management Responsibilities Active participation in process re-engineering related to product / process Collaborate with business , OSD & Policy team for any change in the process/policy. Self-driven, goal oriented & dynamic in nature. Risk and Internal Control Responsibilities Identify the gaps in the process & highlights to the Senior Management Suggestion for changes in Policy SECTION IV: KNOWLEDGE & EXPERIENCEKNOWLEDGE A CA/ MBA from a reputed institute Professional Certifications Language Skills Written and spoken English is essential Years of Experience Minimum of 3 to 6 years of work experience in credit evaluation in a Bank or NBFC SECTION V: COMPETENCIES & KEY PERFORMANCE Product Knowledge Understanding Banking product , policies , loans. To be conversant with SME Loan Products Professional Entrepreneurship Should have proactive and constructive approach towards work Displays solution oriented and initiatives. Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership CompetenciesCompetency NameBehaviors Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety TECHNICAL COMPETENCIES Financial Analysis and Market knowledge of industry segment

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

Role & responsibilities Conduct thorough credit assessments for TW & PL Loan applications. Ensure high quality and performance of the loan portfolio. Meet credit assessment targets within specified TAT. Ensure adherence to audit and regulatory standards at the location. Assist in coordinating and managing vendors for risk control and verification processes. Make well-informed lending decisions based on applicant interactions and available data. Collaborate closely with sales, operations, collections, and policy teams to ensure smooth operations. Maintain databases and prepare monthly reports on loan cases. Coordinate with agencies to sample and screen loan files effectively for fraud prevention. Manage cost efficiency in credit administration processes. Preferred candidate profile Having loan sanctioning authority. Interested candidates can send their resume to: tejashreer@manbafinance.com & dhwanid@manbafinance.com For more info, contact us at: 8657020233

Evaluate and underwrite SENP / SEP loan applications by analyzing financials, business profiles, and conducting personal discussions (PDs). Ensure credit appraisal is in line with company policy, KYC norms, financial assessments, and credit bureau checks. Maintain processing Turnaround Time (TAT) for all loan files and ensure timely approvals. Monitor credit quality and track economic indicators impacting portfolio performance. Ensure end-to-end compliance with login, sanction, and disbursement checklists and conditions. Coordinate with Sales and Credit teams to facilitate smooth file movement and reduce process gaps. Oversee execution and compliance of regulatory activities like CERSAI , CKYC and NHB reporting. Manage secure storage of physical loan documents at the branch and dispatch to vaults within defined timelines. Support Location Operations Head during internal, concurrent, statutory, and NHB audits with required data and process adherence. Ensure branch infrastructure and administrative processes comply with NHB and internal operational guidelines. Conduct regular training and updates for sales teams on new credit policies, circulars, and audit observations. Prepare and maintain accurate credit and operations MIS for branch performance tracking and reporting. Implement operational improvements and risk mitigation strategies across credit and loan processing functions. Cost control measure to be taken to improve Branch Profitability

Job Posting Title: Credit Risk Analyst Location: Thane What does a successful Candidate do at FISERV ? A self-starter, to perform tasks with autonomy and make decisions. An analytical mindset to learn and understand different business models and assess the potential risks Collaborate with internal and external stakeholders to drive the consensus on risk approach What will you do: Credit Risk Analyst role is an APAC level role which will include markets like India, Australia, South East Asia (HK, Singapore, Malaysia) Perform credit analysis and underwriting for prospective accounts Review credit history to assess credit worthiness of new prospective clients. Ensures a balanced risk and revenue trade-off consistent with credit policy and loss target expectations. Apply credit risk guidelines, policies and procedures in letter and spirit. Also conduct periodic reassessment of the policies and procedures based on the industry trends and portfolio performance. Manage the existing key merchant/partner portfolio to analyse/mitigate potential risk on periodic basis. Monitor operational performance on accounts and make a real time decision with respect to the potential risk/mitigants on the relationships Investigations include the gathering of data from various sources & systems and interpreting the data to manage the risk. What will you need to know: Ability to understand and evaluate financial statements comprehensively Ability to apply risk management concepts; collect and analyse exposure and loss data, respond efficiently and effectively to internal and external requests. A successful analyst must have the ability to work in a fast-paced environment, be able to make real time / accurate decisions and manage/mitigate potential risks in the portfolio Role needs good verbal and written communication skills to manage internal stake holders and external stake holders i.e. business team, legal team, compliance team and customers. Time management skills well as good negotiation ability is must. What would be great to have: Background in payment industry or fintech company Data analytics Prior experience in risk management