324 Credit Jobs - Page 4

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

Lead and manage the activities of sales team Identify business opportunities & Build strong client relationships Implement sales strategies by analyzing market trends Monitor sales targets & team performance Meet & exceed revenue targets Required Candidate profile Any graduate with min 1 year of sales exp Good communications skills Convincing Power Understanding of client requirement Share CV at- Call / WhatsApp - 8799405567 Sr HR Anandi S Perks and benefits On Roll - Full Time Insurance Career Mediclaim

Recruit & manage a high-performing sales team Onboard team of DSAs & channel partners for business Meet sales targets and expand customer outreach Build strong relationship with customer to their need Find and develop new markets for improving sales Required Candidate profile Any graduate with min 2 year of sales exp Good communications skills Convincing Power Understanding of client requirement Share CV at- Call / WhatsApp - 9274043291 Sr HR Akash Perks and benefits On Roll - Full Time Insurance Career Mediclaim

You are a strategic thinker passionate about driving project management. You have found the right team. As a Project Manager within our firm, you will be passionate about promoting project management. Your daily tasks will include defining, refining, and delivering set goals, interpreting and understanding legal documents, reviewing complex approval packages, and managing team performance to exceed business expectations. Additionally, you will mentor team members, manage resources across multiple projects, and ensure compliance with procedures and policies. Effective communication and stakeholder management, preparing KPIs and KRIs, and maintaining quality control of processes will also be key aspects of your role. Interpret and understand legal documents related to underwriting, ensuring compliance with regulatory requirements. Review complex approval packages and underwriting documents for annual client reviews. Exceed turnaround time and accuracy rate targets with a keen eye for detail. Manage individual and team performance to achieve and surpass business expectations. Mentor and coach team members to help them reach their career goals. Oversee resources and capacity across multiple projects simultaneously, ensuring optimal utilization without impacting business operations. Maintain compliance with procedures, policies, and contractual obligations. Communicate effectively verbally and in writing, demonstrating strong stakeholder management skills. Identify situations requiring escalation and take swift action in high-risk, complex environments. Prepare and publish KPIs and KRIs regularly for senior leaders, presenting data to management. Take overall responsibility for process quality control, analyzing risks, and proactively identifying root causes of issues. Required qualifications, capabilities, and skills: - Minimum 7 years of post-qualification work experience in a financial institution or project management. - Strong working knowledge of banking products such as Client Onboarding, KYC, AML, Credit, Loan operations, Underwriting, or Investment Banking. - Experience working with Risk, Audit, and Compliance to meet organizational objectives. - Manage a team of 8+ members, provide coaching sessions, feedback, and support their career progression. - Leadership skills to adapt to a changing environment, monitor progress, and deliver results timely. - Accountability in supporting execution of deliverables/projects, seeking efficiency, and taking personal responsibility. - Good communication skills, ability to communicate clearly, lead by initiative, and address complex business issues. - Proficient in Time Management, prioritizing tasks, and working under pressure in a deadline-oriented environment. - Strong organization, attention to detail, time management, planning skills, and handling multiple priorities. - Demonstrated ability to communicate effectively at all management levels, written and verbal. - Foster a positive approach to process assessment, identify trends, and improve processes for customers and the business. - Resolve client service issues quickly, provide world-class service internally and externally. - Project management experience, including identifying project steps, executing milestones, summarizing findings, and presenting to senior management.,

As a State Head - Credit, your primary responsibility will be to oversee and manage all credit operations within the state. You will be responsible for ensuring that the credit policies and procedures are followed in line with the company's guidelines and regulatory requirements. Your role will involve managing a team of credit officers, ensuring that loan applications are processed efficiently and accurately, and monitoring the credit portfolio to minimize risks. You will also be responsible for building and maintaining relationships with key stakeholders, such as customers, regulators, and internal departments. In addition, you will be required to analyze credit data and trends to make informed decisions on credit approvals and rejections. You will also be responsible for identifying areas for process improvement and implementing strategies to enhance the overall credit function within the state. The ideal candidate for this role should have a strong background in credit management, with a thorough understanding of credit policies, procedures, and regulations. Excellent leadership and communication skills are essential, as well as the ability to work effectively in a fast-paced and dynamic environment. A proactive and results-driven approach to problem-solving and decision-making is also key to success in this role.,

In this profile you will manage Manage Credit analysis of high ticket LAP. Conduct personal discussion with customers to establish Credit worthiness.Pre and post sanction credit risk compliance. Required Candidate profile Minimum 4-5 years experience in LAP underwriting out of which minimum 2 yrs with high ticket LAP

In this profile you will manage Manage Credit analysis of high ticket LAP. Conduct personal discussion with customers to establish Credit worthiness.Pre and post sanction credit risk compliance. Required Candidate profile Minimum 4-5 years experience in LAP underwriting out of which minimum 2 yrs with high ticket LAP

Evaluating credit proposals covering financial, business and industrial risk & decision 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 score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure

ROLE PURPOSE & OBJECTIVE Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice Negotiating commercials, timely disbursement of loan and providing other Bank Products. Implementing tactics to enhance market penetration through DSA channels & marketing activities. To set up distribution DSA channel involving in DSA empanelment & handling cases referred by DSAs directly. Applicable to all loan officers with 12 Months of service SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Cost of hiring and placing new Relationship Officers at Branches Operational Cost of managing the Conveyance and Claims of Relationship Officers Cost of procurement marketing collaterals, sales aids Shall be expected to manage a portfolio of Rs.15 Cr. Progressively Managing a single product across the branches of operations Managing a team size of 5 employees progressively Managing assets like marketing collaterals, Stationary, Dockets and Systems Managing hiring and placement of Relationship Officers in required Branches KEY DUTIES & RESPONSIBILITIES OF THE ROLE Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business Business/ Financials Engaging & empaneling with various DSAs in that particular location for increasing Traffic for HL To set up distribution via DSA enrollment across the location. Targets on number & value of files for Log-in, approval, disbursement of HL 65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance Collection of Bounced cases for no zero default track of all customers sourced. FTR on all files Customer (Both Internal & External) Attend and address customer queries and grievances within the defined TAT. Managing internal and external customer relationship to ensure customer satisfaction. Ensure customers are educated about all products/services offered by Ujjivan. Ensure lower customer attrition by providing different products as per customer requirement. Focus on lower TAT as per laid down standards. Internal Process FTR on all work/processes/ files Well spread file flow of log-in and disbursal over a month. Documentation and preparation of process manuals Innovation & Learning Mentor loan officer too graduate to next level. Work towards grooming self for next level of cluster manager with help of Cluster Manager & Area Manager. Completion of goal setting and appraisal on time MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate with 1 -2 Year experience in Housing Loans Post Graduate with 6-12 months experience in Housing loans Experience(Years and Core Experience Type) 3 years in sales and documentation of loans of which at least 1 year in Housing Loans handling DSAs, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales Certifications Relevant certifications shall be an added advantage Functional Skills Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level. Ability to engage with DSAs, customers, Plan & execute Marketing and Sales promotion Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Adequate Computer knowledge Behavioral Skills Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented Competencies Good Computer Knowledge Competent to handle MIS systems and Lending Software KEY INTERACTIONS INTERNAL EXTERNAL Product and Marketing Team Regional Operations, Credit Audit, Vigilance and FCU team Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts

The job objective for the Data Analyst GFM role is to support the Treasury & Markets (T&M) data analytics capability. You will be responsible for sourcing, compiling, designing, and analyzing T&M's structured and unstructured data into a data model framework. This will involve facilitating the targeting of potential business opportunities, identifying process inefficiencies, and understanding overall business trends. You will work within the Data Analytics team (across geographies) to partner and represent across T&M teams to assess business needs and identify opportunities to apply data analytics. Your role will also include assisting in defining the analytical strategy, including analytical approaches, data, and technology requirements. Prioritizing the book of work in accordance with the revenue impact and achieving the yearly data revenue targets set for the market will be crucial. Additionally, you will be responsible for streamlining data deliverables in coordination with multiple business stakeholders across the bank and in alignment with the VUCA business environment. Your tasks will involve data back-end tasks such as data extraction, transformation, and loading, as well as using various techniques for data cleansing. You will utilize appropriate machine-learning/deep learning/statistical methods to develop advanced data analytics models to uncover irregular and hidden patterns and predict business leads, risk events under comprehensive scenarios. Furthermore, you will be expected to create effective data visualization via BI tools (i.e., Tableau, MS Power BI, Qlik suite) of results to present key findings to senior management and/or other stakeholders with actionable insights. Requirements: - General understanding of Financial Markets, with emphasis on Equity, FX, Credit, and Interest Rate cash and derivative products - Expert problem-solving skills, strong attention to detail, creative mindset, and interest in data analytics - Hands-on experience in Python and/or R, SQL, or other statistical program languages and/or experience in using commercial statistical analytics tools, e.g., SAS, SPSS - Extensive experience in data visualization tools, preferably Tableau - Independent self-starter with the ability to multitask and efficient project management - Effective interpersonal and organizational skills - Good command of English - Have a can-do attitude If you are seeking a role where you can contribute to the data analytics capability of Treasury & Markets while leveraging your expertise in financial markets and data analytics, we encourage you to apply. Join our dynamic environment that offers a competitive salary and benefits package, along with professional growth opportunities that recognize your achievements.,

As a key player in the treasury operations market in Asia, DBS Global Financial Markets (GFM) offers a wide range of capabilities including trading, structuring, and sales in various financial products such as foreign exchange, interest rates, money market, credit, equity, commodities, bonds, derivatives, and securities. With a strong presence in regional markets, we actively engage in market activities to innovate, structure, originate, and distribute diverse products. Our extensive network across Asia and our growing franchises focused on the Asian market enable us to expand our product offerings and enhance product penetration. Our team of specialists works collaboratively across our expanding branch network to provide clients with a comprehensive range of products and exceptional service levels for their investment and hedging needs in global markets. In this role, you will be part of the Data Analytics team, working across different geographies to collaborate with Trading & Markets (T&M) teams, identify business requirements, and leverage data analytics for strategic decision-making. You will assist in defining the analytical strategy, including approaches, data sources, and technology needs, to support business objectives effectively. Key responsibilities include prioritizing tasks based on revenue impact, achieving data revenue targets, coordinating data deliverables with multiple stakeholders, and managing data-related tasks such as extraction, transformation, loading, and cleansing using various techniques. To excel in this role, you should have a solid understanding of Financial Markets, particularly in Equity, FX, Credit, and Interest Rate products. Strong problem-solving skills, attention to detail, a creative mindset, and a keen interest in data analytics are essential. Hands-on experience in programming languages like Python and/or R, SQL, or statistical tools such as SAS or SPSS, as well as proficiency in data visualization tools like Tableau, are required. We are looking for an independent self-starter with excellent multitasking abilities and efficient project management skills to drive the success of our Data Analytics initiatives within the organization.,

The key objective of the job is to coordinate with all departments to ensure the smooth movement of files from Log-in to Disbursals. This involves activities such as generating SAGE/RSPM/Dedupe reports, coordinating with Operations/Credit/RCU departments for the seamless movement of files throughout various stages like LOGINS, RO, DISBURSAL, and BOOKING. Additionally, the role requires coordination with Cashier/Accounts and engaging with walk-in customers to facilitate new CV business generation. Resolving 1st EMI and 30+ <12 MOB issues in coordination with the Field Collections Team is also a crucial responsibility. Updating RC in the TMF system in collaboration with the Dealership team and customers, assisting customers in generating URC, and ensuring the information is correctly updated in TMF systems for MSME customers are essential tasks. The ideal candidate should be a Graduate.,

Role & responsibilities Handling Credit operation from Login to Disbursement. Credit decision making for SF and forwarding proposals. Handling Credit and Operational issues. Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Two Wheeler loans and maintaining TAT. Taking care of audit queries and maintaining good audit score. Preparing MIS, Collection reports on daily basis and Weekly review reports. Assisting customers with queries, requests & complaints. Preferred candidate profile Graduate either fresher or candidates with 1 year experience in Credit Underwriting. Malayalam language is a Must. Knowledge on secured and unsecured loans.

Greetings from SBI Securities Ltd !! We are looking for Relationship Officer - Demat & Trading A/c for our Retail Sales vertical. Role & responsibilities To source the business via allotted bank branches. Key focus areas acquiring broking clients (primarily on line). Activating clients for trading post acquisition. Acquiring and retaining new clients and HNIs. Cross sell other products as directed time to time. Providing clients with Demo & handhold to initiate trading activities after account opening. Should have hands-on experience and knowledge of General Insurance and Demat Sales will be preferable. This position will be on payroll of SBICAP Securities Ltd on fixed term contract which will be renewable annually as per performance and company norms. Preferred candidate profile Experience:- Fresher also can apply who is passed out in the year/2023/2024 /2025Qualification:- Graduation/Post GraduationAge Criteria:- Below 28 Years Perks and benefits Fresher- 2.50 LPA ( CTC )Experienced (only form NBFC/BFSI/Banking)- Up to 3 LPA based on current salary and experience.* Incentives are paid subject to performance as per applicable slabs. Interested Candidates can directly send their CVs to revathy.1@sbicapsec.com or whats app on 9025429493

US Mortgage experience In Underwriting All 4 C’s Credit, Capacity, Collateral, and Capital or Income review experience, Conditions Clearing, Closing Review, Loan Set Up review process..Fannie Mae/Freddie Mac.Group health/Liability/Commercial/Crop UW. Required Candidate profile past due account ,revolving account, time share account, 30-day loan account.tax extension forms IRS 4868.wage income, self-employment income, business income.Debt-to-Income (DTI)/Loan-to-Value (LTV)

Job Responsibilities : - Appraising proposals for HL / LAP and conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies - Supervising, controlling delinquency and credit loss - Monitoring of loan accounts, checking of loan documents and supervising the timely preparation of MIS reports - Fulfilling the credit training needs of the entire business team on a continued & timely basis Requirement In-depth knowledge of: - Financial & Credit Risk analysis - Risk (credit/investment, operational, others) identification and mitigation - Banking products and procedures; Documentation - Team Management - Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process operations. - Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst team members. - Nurturing, managing & imparting training to the team is also one of the core activities. - Managing a team of Credit Managers Requirements : - Qualified CA with min 7 years of work exp in Credit role. - Should have handled Home Loans / LAP .

Responsibilities: Prepare financial statements and tax returns Collaborate with clients on strategic planning and risk management Ensure compliance with regulatory requirements Business Consulting Credit Analysis and financial reporting

Job Summary: We are seeking a detail-oriented and analytical professional with 1–4 years of relevant experience in covenant monitoring or credit risk. The candidate will be responsible for tracking, analyzing, and reporting on financial and non-financial covenants related to debt agreements and other financial instruments. Key Responsibilities: •Analyze financial statements and calculate covenant ratios (e.g., debt service coverage ratio, leverage ratio, interest coverage ratio). •Review and interpret loan documentation to extract relevant covenant terms and reporting requirements. •Creating the first time covenant set up in the covenant tracking platforms or risk management systems. •Monitor borrower compliance with financial and non-financial covenants outlined in credit agreements and loan documentation. •Maintain accurate and up-to-date records of covenant compliance status and related documentation. •Prepare internal reports, dashboards, and alerts for any breaches, upcoming deadlines, or compliance risks. •Coordinate with credit officers to address breaches or waivers and ensure proper documentation. •Assist in automating covenant monitoring processes and enhancing internal controls. •Stay updated on market practices, regulatory expectations, and industry trends in covenant tracking and credit monitoring. Requirements: •Experience working with syndicated loans or structured finance products. •Exposure to covenant tracking platforms or risk management systems. •Strong understanding of financial statements and credit metrics. •Familiarity with loan documentation, term sheets, and credit agreements. •Proficiency in Microsoft Excel; working knowledge of financial systems or covenant monitoring tools is a plus. •Strong analytical skills and attention to detail. •Excellent written and verbal communication skills.

Roles and Responsibilities Conduct thorough credit assessments of borrowers to determine their creditworthiness. Review financial statements, industry trends, and other relevant data to evaluate borrower credit risk. Develop and maintain relationships with key stakeholders, including clients and internal teams. Identify potential risks and develop strategies to mitigate them through effective communication with customers. Ensure compliance with regulatory requirements and company policies. Desired Candidate Profile 1-6 years of experience in credit appraisal or related field (credit underwriting). Strong understanding of home loan credit products and processes. Excellent analytical skills for evaluating complex financial data. Ability to work independently with minimal supervision while meeting deadlines.

As an Accounts Receivable Manager at our client, a global leading high tech company, you will be responsible for managing the account receivable and billing operations in the APAC region. With over 6,500 employees across 20+ offices and a focus on cutting-edge AR and VR technologies, 3D printing, etc., this is an exciting opportunity to join a fast-growing organization at the forefront of innovation. In this role, you will oversee global credit and collections, leading a small team of 4 individuals focused on credit, collections, and invoicing processes. You will have the opportunity to refine credit, collections, and reserve policies to support global sales growth, as well as implement AR best practices and policies including customer invoicing, receipts processing, collections, global AR analytics, KPI reporting, period-end closing, and reporting. To excel in this position, you should have at least 5 years of experience in account receivable/billing operations, with a preference for team leadership and billing operation management experience. Experience in managing third-party shared service providers and establishing scalable operating models is desired, along with global billing experience. A customer (B2B) focused mindset, creativity, and the ability to build strong relationships with business partners are key attributes for success in this role. Strong analytics skills and a data-driven approach are essential, as well as ideally having finance experience within the media, advertising, software, or high tech industry. This is initially a 6-month full-time contract with the possibility of extension. The company is open to discussing salary based on experience, with a work schedule of 4 days on-site at the Delhi office and 1 day of remote work.,

The job objective for the Data Analyst GFM role is to support the Treasury & Markets (T&M) data analytics capability. You will be responsible for sourcing, compiling, designing, and analyzing T&M's structured and unstructured data into a data model framework. This will enable the identification of potential business opportunities, process inefficiencies, and overall business trends. You will collaborate with the Data Analytics team across geographies to assess business needs and identify opportunities to apply data analytics within T&M teams. In this role, you will assist in defining the analytical strategy, including approaches, data, and technology requirements. Prioritizing the workload based on revenue impact and achieving the yearly data revenue targets set for the market will be a key accountability. Additionally, you will streamline data deliverables in coordination with multiple business stakeholders across the bank to align with the VUCA business environment. Your responsibilities will include data back-end tasks such as data extraction, transformation, loading, and data cleansing using various techniques. Utilizing machine-learning, deep learning, and statistical methods, you will develop advanced data analytics models to uncover patterns and predict business leads and risk events under various scenarios. Furthermore, you will create effective data visualizations using BI tools like Tableau, MS Power BI, and Qlik suite to present key findings to senior management and stakeholders with actionable insights. The ideal candidate should have a general understanding of Financial Markets, particularly Equity, FX, Credit, and Interest Rate products. Strong problem-solving skills, attention to detail, and a creative mindset are essential for this role. Hands-on experience in Python and/or R, SQL, or other statistical program languages is required, along with familiarity with commercial statistical analytics tools like SAS and SPSS. Proficiency in data visualization tools, especially Tableau, is preferred. The ability to work independently, multitask effectively, and manage projects efficiently is crucial. Strong interpersonal and organizational skills, along with a good command of English, are necessary for success in this role. If you have a can-do attitude and meet the requirements mentioned above, we encourage you to apply for this position. Join our dynamic environment that offers a competitive salary, benefits package, and professional growth opportunities.,

As a CA or semi-qualified CA, you will play a crucial role in overseeing India Finance operations at Broadridge. Your responsibilities will include managing all financial operations such as accounting, credit and collections, internal audit, financial planning and analysis, treasury, tax, and MIS reporting. You will be responsible for preparing timely and accurate financial reports and statements, overseeing audits, supporting book closure activities, and collaborating with the finance team to implement and uphold financial policies and procedures. Additionally, you will be managing cash forecasting and financial planning to ensure optimal working capital, liaising with tax consultants to ensure compliance with tax requirements, and ensuring adherence to financial regulations and standards. You will also contribute to finance-related projects, particularly in process improvements and new system implementations. To be successful in this role, you should have a CA or Semi-qualified CA qualification with a minimum of 5 years of progressive experience in financial operations or related roles. You should have proven ability to align financial strategies with overall business objectives, exceptional analytical, critical thinking, and problem-solving skills, demonstrated leadership skills, and excellent written and verbal communication skills. By joining Broadridge, you will be part of a globally respected organization known for innovation, integrity, and excellence. You will play a pivotal role in shaping financial operations and supporting Broadridge's continued growth in India and worldwide. You will collaborate with talented professionals in a dynamic and inclusive work environment, leverage advanced financial technologies, gain exposure to international best practices, contribute to significant projects and process improvements, and benefit from ongoing learning and professional development opportunities. If you are eager to make an impact in the tech world, Broadridge provides the platform for you to thrive. Bring your passion and apply now with your resume and a cover letter explaining why you are excited about this opportunity. Join Broadridge and make a meaningful impact in a client-focused and forward-thinking organization.,

SAP FSCM CONSULTANT Choosing Capgemini means choosing a company where you will be empowered to shape your career in the way youd like, where youll be supported and inspired bya collaborative community of colleagues around the world, and where youll be able to reimagine whats possible. Join us and help the worlds leading organizationsunlock the value of technology and build a more sustainable, more inclusive world. Your Role Implement SAP Financial Supply Chain Management (FSCM) functionalities. Consult on credit management, collections, and dispute management. Customize FSCM processes to client requirements. Provide training and post-implementation support. Your Profile 4-12 years SAP FSCM experience. Deep knowledge of credit, collections, and cash management. Strong SAP integration skills (FI, SD, MM). Excellent communication and analytical skills. What will you love working at Capgemini Innovative finance projects. Global exposure and diverse teams. Comprehensive learning resources. Capgemini is a global business and technology transformation partner, helping organizations to accelerate their dual transition to a digital and sustainable world, while creating tangible impact for enterprises and society. It is a responsible and diverse group of 340,000 team members in more than 50 countries. With its strong over 55-year heritage, Capgemini is trusted by its clients to unlock the value of technology to address the entire breadth of their business needs. It delivers end-to-end services and solutions leveraging strengths from strategy and design to engineering, all fueled by its market leading capabilities in AI, generative AI, cloud and data, combined with its deep industry expertise and partner ecosystem.

We are seeking self-motivated and analytically driven professionals to join our Risk Analytics team. The ideal candidate to have a strong background in Credit Risk or Portfolio Risk Management , with the ability to derive actionable insights through robust data analysis. You will work closely with cross-functional teams and contribute toward maintaining and improving portfolio quality across lending products. Key Responsibilities Develop insights and recommendations to support business decisions and risk mitigation strategies Contribute to Expected Credit Loss (ECL) modeling, loss forecasting, and stress testing exercises Evaluate Early Warning Signal (EWS) frameworks using internal and external data sources as well as developing & deploying new models Collaborate with Credit, Product, and Business teams to drive risk-based strategies Participate in portfolio performance reviews and highlight emerging risk trends Required Skills & Competencies Experience in portfolio risk assessment, especially in Retail and/or SME lending Strong analytical skills with an eye for detail and a problem-solving mindset Proficiency in Python for data analysis and model development Advanced Excel user able to work with pivot tables, lookups, and automation Self-starter with the ability to work independently as well as in a team environment Familiarity with credit appraisal processes and risk assessment methodologies is an added advantage Educational Qualifications CA / MBA / B.Tech / Postgraduate degree in Statistics, Economics, or related quantitative field Experience 1-2 years of experience in the lending business of a Bank or NBFC Preferably worked in Credit Risk / Portfolio Monitoring / Risk Analytics functions

About The Role Job Requirement ;1) CA qualified professional with 3-5 years of work experience in Working Capital & Business loans Secured only.2) Must have at some Team Handling experience.3) MBA in Finance with experience in Working capital underwriting may apply.5) MUST HAVE EXPERIENCE IN SECURED WORKING CAPITAL CREDIT. Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluationStock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role )NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies infants.Infant loan which is less than 12 months NPA Ensure qualitative portfolio Ensure that there is no infant 12 months NPA Daily tasks: Daily accessing the loan file Daily case discussion with Sales team Preparing credit underwriting for the cases assigned Personal discussion calls with customer financials & banking Decision making with predefined TAT Tele-verification calls to the customer