328 Credit Jobs - Page 7

Role & responsibilities Candidate should be having experience in Mortgage underwriting of minimum 2-3 years. He/she should be well versed about Collateral underwriting with knowledge of Legal & technical aspects. Good & effective communication with all stake holders particularly with Colending bankers & Co-lending team at HO. Candidate needs to show results with effective follow up with team. 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

Key Roles & Responsibilities: Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions Handle oversight & review of credit underwriting of small ticket LAP in the mapped cluster Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Essential Experience: 5-10 years of relevant experience in Credit underwriting high value LAP Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility Ability to manage a team

Develop & execute business plans that align with organizational goals and objectives. Manage & lead the team, providing guidance and support. Provide training & development for team members. Market research by identifying potential clients & trends. Required Candidate profile Any graduate with min 1 year of sales exp Good communications skills Convincing Power Understanding of client requirement Call or Whatsapp resume on - 6354326108 Sr. HR Shubham Y Perks and benefits On roll with HDFC Group Career growth

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 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

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 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

Develop & execute business plans that align with organizational goals and objectives. Manage & lead the team, providing guidance and support. Provide training & development for team members. Market research by identifying potential clients & trends. Required Candidate profile Any graduate with min 1 year of sales exp Good communications skills Convincing Power Understanding of client requirement Call or Whatsapp resume on - 6354326108 Sr. HR Shubham Y Perks and benefits On roll with HDFC Group Career growth

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Key responsibilities: Support credit underwriting through detailed financial modeling, ratio analysis, and forecast building. Perform bottom-up analysis of company financial statements, capital structure, and liquidity Draft initial credit reports and background summaries based on deal information and reporting disclosures. Participate in case reviews by analyzing the business model, industry risks, and financial health Reconcile historical financials under IFRS, identify adjustments, and assist in alignment with deal templates Collaborate with lead analysts and onshore counterparts for data validation, clarification and memo finalization Handle recurring quarterly monitoring updates, including LTM vs. Q metrics and variance tracking Skill requirements: Proficient in corporate financial modeling and credit metrics analysis (interest coverage, leverage and DSCR etc.) Strong understanding of IFRS-based reporting, including EBITDA reconciliation and lease adjustments Ability to manage multiple cases independently with attention to accuracy and turnaround timelines Strong written and communication skills for clear drafting memo and stakeholder interaction Preferred: CFA level 2 cleared candidate Exposure to sector-agnostic environment Familiarity with leveraged loan and high-yield credit analysis

Sr Credit Analyst - Commercial Real Estate Key Responsibilities Credit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector. Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers. Portfolio Monitoring: Track loan performance, flag risks, and assist in credit monitoring processes. Industry & Market Analysis: Stay updated on CRE market trends, regulatory changes, and industry developments. Reporting & Documentation: Prepare credit reports, risk assessments, and internal presentations for senior management review. Regulatory Compliance: Ensure adherence to internal policies and regulatory guidelines for credit underwriting. Stakeholder Coordination: Work closely with business teams, credit committees, and external agencies for smooth credit evaluation.' Key Skill & Qualifications Education: CA, MBA (Finance), CFA, or equivalent. Experience: 5-10 years in credit risk assessment, financial analysis, and loan structuring. Technical Skills: Strong financial modeling, credit analysis, and proficiency in MS Excel. Analytical Expertise: Ability to assess financial risks, borrower credibility, and loan structuring strategies. Communication: Excellent report-writing and presentation skills. Location: Bangalore-based candidate preferred.

**Job Title: Area Collections Head** **Company: Kinara Capital** **Job Description:** As the Area Collections Head, you will be responsible for leading the collections team to ensure timely and effective recovery of outstanding loans in your designated area. Your main objective will be to optimize collections processes, enhance team performance, and minimize delinquencies while maintaining excellent customer service standards. You will work closely with other departments to develop strategies aimed at improving collection rates and client satisfaction. **Key Responsibilities:** - Develop and implement collection strategies to achieve area targets and reduce delinquency rates. - Lead, train, and mentor the collections team to optimize performance and ensure compliance with company policies. - Monitor key performance indicators (KPIs) and prepare regular reports on collections performance. - Collaborate with regional managers and other departments to address issues affecting collections. - Conduct field visits to assess operations and customer interactions, ensuring best practices are followed. - Handle escalated customer queries and disputes professionally, maintaining positive customer relations. - Stay updated on regulatory changes and market trends affecting collections. **Skills Required:** - Strong leadership and team management skills. - Excellent communication and interpersonal skills. - Proficiency in analytical thinking and problem-solving. - Ability to work under pressure and meet deadlines. - Strong understanding of credit and collections processes. - Customer-focused approach with good negotiation skills.

Job Title: Junior Credit Analyst Position Overview: Looking for an experienced Senior Credit Manager to support the Credit & Risk team in assessing and managing credit applications for commercial real estate lending. The ideal candidate will have a strong foundation in financial analysis, credit assessment, and risk evaluation, with experience working in the NBFC or banking sector. Sector: Financial Services Location: Mumbai - HO Key Responsibilities Credit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector. Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers. Portfolio Monitoring: Track loan performance, flag risks, and assist in credit monitoring processes. Industry & Market Analysis: Stay updated on CRE market trends, regulatory changes, and industry developments. Reporting & Documentation: Prepare credit reports, risk assessments, and internal presentations for senior management review. Regulatory Compliance: Ensure adherence to internal policies and regulatory guidelines for credit underwriting. Stakeholder Coordination: Work closely with business teams, credit committees, and external agencies for smooth credit evaluation. Key Skills & Qualifications Education: CA, MBA (Finance), CFA, or equivalent. Experience: 5-10 years in credit risk assessment, financial analysis, and loan structuring. Technical Skills: Strong financial modeling, credit analysis, and proficiency in MS Excel. Analytical Expertise: Ability to assess financial risks, borrower credibility, and loan structuring strategies. Communication: Excellent report-writing and presentation skills. Location: Bangalore-based candidate preferred.

2+ yrs of experience, Knowledge of Stock management, Excellent in MIS, credit, communication excellent, Must be very good in Excel. Should be good in forecasting, billing, quotation etc. Loc: Powai, Mumbai Sal: best in industry Required Candidate profile Should be graduate. 2+ yrs of experience in relevant field. Good communication need. Should be good in forecasting, billing, quotation etc.

Our esteemed buy-side client is currently looking for a highly skilled and experienced Analyst to join their Private Credit team, specializing in financial modeling of private companies. The ideal candidate will play a critical role in portfolio monitoring & surveillance and providing valuable insights. The successful candidate should have experience in credit financial modeling, with a strong preference for candidates holding a CFA designation or currently pursuing the CFA program. Key Responsibilities: Monitor financial performance and key performance indicators of portfolio companies Gathering business, financial data on borrower companies on a regular basis for consumption by investment team Presentation and write-ups support for investment team for internal and external meeting Financial reporting on portfolio companies on an ongoing basis Research support on an adhoc basis in supporting investment team needs in securing new business eg. market studies and research, market trends, Development of standardised info pack for each investment in the portfolio. Monthly management reporting and variance analysis Financial analysis, financial modelling, credit scoring assistance to investment team including scenario Analysis Development and maintenance of valuation models for all investments Monitor financial performance and key performance indicators of portfolio companies News and information search support for existing and potential investments Requirements: Master’s degree in finance, accounting, or a related field. Experience in private credit. Strong proficiency in financial modeling, credit analysis, and data analysis. Demonstrated expertise in assessing credit risk, financial statement analysis, and interpreting complex financial data. Excellent analytical and problem-solving skills, with attention to detail. Candidates with a CFA designation or those actively pursuing the CFA program will be given preference. Advanced proficiency in MS Excel, Bloomberg, and other relevant financial analysis tools. Strong written and verbal communication skills for presenting complex financial information effectively. Proven ability to work independently and collaboratively in a fast-paced, dynamic environment.

Position: Executive Trainee Job Location: Ameerpet, Kamareddy,Jangoan, Karimnagar, RC Puram, Kushaikguda, Siddipet, Miryalguda,Suryapet,Medchal. Qualification : Bachelor's degree/Master's degree - 2025/2024 Conducting market research to identify selling possibilities and evaluate customer needs. Actively seeking out new sales opportunities through cold calling, networking, and social media. Generate Leads from builders and as well as do self-sourcing from Open Market Setting up meetings with potential clients and listening to their wishes and concerns. Understand home loan process and assist the customer till the journey of disbursal. To be in sync and work together with the partner representative. Achieve business objectives and assigned sales target. Ensure timely renewal of business sourced.

Position: Executive Trainee Job Location: Madiwala, Yellahankha, KR Puram, Peenya, Hubli, Chikbalapur, Mysore,RR Nagar, Anekkal, Tumkur. Qualification : Bachelor's degree/Master's degree - 2025/2024 Conducting market research to identify selling possibilities and evaluate customer needs. Actively seeking out new sales opportunities through cold calling, networking, and social media. Generate Leads from builders and as well as do self-sourcing from Open Market Setting up meetings with potential clients and listening to their wishes and concerns. Understand home loan process and assist the customer till the journey of disbursal. To be in sync and work together with the partner representative. Achieve business objectives and assigned sales target. Ensure timely renewal of business sourced.

Key Accountabilities: Underwriting strategy. Assess proposals basis usage. Understand and derive financial trends of applicants. Prepare management OR credit committee level approval proposals. Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies. Adherence to turn around times on customer loan requests, as per the agreed service level agreements Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. Maintain system data quality. Comprehensive profile study and financial analysis and proposal making. Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Team monitoring, mentoring and appraisals. Timely input on policy enhancements and optimization. Knowledge of regulatory reporting on account status and monitoring. Understanding market dynamics and frequent visits to customers. Portfolio monitoring and reporting to management and relevant stakeholders. If this opportunity matches your caliber, then apply for the same. Our team will connect you post the initial screening process.

Planning and overseeing new marketing initiatives. Finding and developing new markets and improving sales. Increasing the value of current customers while attracting new ones. On Roll Profile Required Candidate profile Graduation is required Must have 1+ years of experience in any sales, banking, or finance/insurance sector. Good Communication skills Age Criteria: 21 to 40 Location: All Imp City of Punjab