1549 Credit Management Jobs - Page 21

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

o Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket)o Ensure that the NPA's are kept within assigned budget and active efforts are made to minimize it.o Increase the fee income / revenue and develop intiatives to control and reduce the amount of vendor payoutso Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers. o Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarterso Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT o Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaultingo Represent the organization in front of legal/ statutory bodies as required by the legal team and ensure that the collection team adheres to the legal guidelines provided by the law in forceo Allocate work to the field executives and ensure that all the agencies in the location perform as per defined SLA, ensuring payments and audit receipts get deposited within the defined SLA. o Ensure that there is adequate Feet on Street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from all collection executives on delinquent portfolio & initiate detailed account level review of high ticket accountso Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company Qualification : Post Graduate/Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience: Minimum 6 to 8 years in the field. Graduate : Yes Masters/Postgraduate: Yes Certifications: CA

Key Objective of the Job: To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions. Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA/ICWA/CS/M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Should have problem Solving Skill

Key Responsibilities Manage payment processing for complex customer accounts. Prepare and distribute customer account statements. Respond to both basic and complex customer inquiries regarding AR. Analyze account data and perform root cause analysis for late payments. Recommend and support implementation of process improvements. Prepare and deliver month-end AR reports. Lead or participate in AR-related improvement projects. Handle large and complex data sets efficiently. Perform additional duties as assigned. External Qualifications and Competencies Qualifications Any Commerce Graduate - B.com/M.com, BBA, Post Graduate Diploma in Finance and others. Core Competencies Action Oriented Tackles challenges with urgency and enthusiasm. Collaborates Builds strong partnerships to achieve shared goals. Communicates Effectively Tailors communication to diverse audiences. Customer Focus Delivers solutions that meet customer needs. Drives Results Maintains focus and delivers outcomes under pressure. Manages Complexity Analyzes and solves multifaceted problems. Nimble Learning Learns quickly from successes and setbacks. Values Differences Embraces diverse perspectives and cultures. Additional Responsibilities Unique to this Position Skills & Knowledge 3-6 years of overall relevant experience required with - Proficiency in AR commercial processes. Proficiency with Credit Management, Bad debts management, AR ageing analysis. Moderate proficiency in MS Office (Excel, Word, PowerPoint). Strong communication skills (verbal and written). Ability to manage and interpret large/complex data sets. Customer-centric mindset with a drive for results. Self-motivated and assertive. Effective team player. Business & Financial Acumen Business Partnering Aligns with stakeholders to drive performance and strategic goals. Financial Internal Controls Applies internal control frameworks to mitigate financial risks and adapt to business changes.

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targets Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

Job Description You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Essential Job Duties: Accurate and timely processing of customer credit applications Ongoing review of existing customer credit limits and terms Retrieve and email or fax invoice copies for customers as requested Retrieve and email or fax credit memo copies for customers as requested Provide Accounts Receivable Aging Reports from PeopleSoft/JDE to US Collections Team when requested Follow-up with customers, as assigned, for unknown payments Interact with other Keystone Departments, such as Treasury and Accounting, as necessary to resolve customer payment issues Work closely with Collections and Credit team members as well as US-based Collections, Credit and Cash Application teams. Role & responsibilities Preferred candidate profile Basic Qualifications (Minimum Required Experience, Education, Knowledge/Skills/Abilities, Essential Physical Demands): Education & Experience: Commerce graduate/Post Graduation. 1 - 3 years experience in an Accounts Receivable (or similar) reconciliation position. Knowledge/Skills/Abilities: Must have good typing skills, good written and verbal communication skills. Basic skill level in Microsoft Excel. Essential Physical Demands/Work Environment: Must have the ability to work under conditions of frequent interruptions and be attentive to detail. Must be able to be patient with others, have the ability to listen and be able to work comfortable under pressure. Preferred Qualifications: 1 - 3 years’ experience in an Accounts Receivable (or similar) position Reliable math skills Good English communication skills both - spoken & written. Accurate and efficient reconciliation skills Analytical thinker Ability to work in a fast paced environment Attention to detail is a must The ability to multi-task Willingness to learn new skills. Should have a ‘Do what it takes’ and a ‘I must deliver’ attitude

Looking for a Distribution Executive with 2+ yrs experience in stock management, MIS reporting, credit handling, and strong Excel skills. Must have good communication and coordination ability across teams.

Job Title: Collections Officer Company Name: Kinara Capital Job Description: The Collections Officer is responsible for managing and monitoring overdue accounts, ensuring timely recovery of outstanding debts and providing excellent customer service. This role involves proactive communication with clients to negotiate payment plans, resolving disputes, and maintaining accurate records of all collections activities. The Collections Officer will collaborate with internal teams to address client issues and implement strategies for debt recovery while adhering to legal and regulatory compliance requirements. Key Responsibilities: - Monitor and manage overdue accounts to ensure timely collection of payments. - Contact clients via phone, email, and in-person to discuss outstanding balances and negotiate payment plans. - Maintain accurate records of communications and collection activities in the company’s database. - Develop and implement effective collection strategies and processes. - Collaborate with internal departments to address client concerns and disputes. - Prepare reports on collection activities and account status for management review. - Stay updated on industry regulations and best practices to ensure compliance in all collection activities. Skills and Qualifications: - Bachelor’s degree in finance, business, or a related field. - Proven experience in collections, credit management, or a similar role. - Strong negotiation and interpersonal skills. - Excellent verbal and written communication abilities. - Proficiency in Microsoft Office Suite, particularly Excel and Word. - Familiarity with financial software and databases used in collections. - Strong problem-solving skills and attention to detail. - Ability to work independently and as part of a team. - Knowledge of relevant laws and regulations governing debt collection. Tools Required: - Financial management software. - Customer relationship management (CRM) systems. - Microsoft Excel for data analysis and reporting. - Communication tools such as email and telephone systems. - Document management systems for record-keeping.

We are looking for a skilled professional with 5 to 15 years of experience to join our team as a Manager - Retail Credit - Housing - EM in Rajahmundry. Roles and Responsibility Manage and oversee the retail credit housing process, ensuring timely and efficient loan disbursement. Develop and implement strategies to enhance customer satisfaction and loyalty. Collaborate with cross-functional teams to achieve business objectives and goals. Analyze market trends and competitor activity to identify growth opportunities. Ensure compliance with regulatory requirements and internal policies. Lead and motivate a team of credit professionals to achieve sales targets and performance metrics. Job Requirements Minimum 5 years of experience in retail credit or related fields, preferably in banking or financial services. Strong knowledge of housing finance, mortgage loans, and related products. Excellent communication, leadership, and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Experience working with electronic systems and software applications.

We are looking for a highly skilled and experienced Credit Manager to join our team in Erode. The ideal candidate will have 2-5 years of experience in the field. Roles and Responsibility Review and assess complex loan applications within defined guidelines, making decisions or recommending approval to higher authorities. Underwrite proposals as per laid down policies and procedures to meet business volumes and agreed SLAs. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and possess in-depth knowledge of ratio calculations and their impact on loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster, regularly reporting the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems. Exceed service quality standards and strive for continuous process improvement. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to facilitate approving authority decision-making on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and effectively monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a strong academic record. Minimum 2 years of experience in credit management, preferably in housing finance. Strong knowledge of credit underwriting, risk assessment, and portfolio management. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and stakeholders. Proficiency in MS Office and other relevant software applications. Ability to work in a fast-paced environment and meet deadlines. CertificationsCA/MBA (Preferable). Additional Info The selected candidate will be required to manage a team of credit analysts and sales professionals.

We are looking for a highly skilled and experienced Credit Executive to join our team in Jhalawar. The ideal candidate will have 2 to 7 years of experience in the banking or financial services industry, with expertise in underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Roles and Responsibility Conduct personal discussions on cases according to laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines for completing assigned activities. Evaluate credit requests, establish credit limits, and ensure all loans are adequately documented and secured by appropriate collateral. Communicate credit decisions effectively to stakeholders. Enhance underwriting efficiencies while ensuring adequate risk management. Perform Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances, and ICQ Observation Closure. Job Minimum 2 years of experience in the banking or financial services industry. Strong skills in underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Ability to evaluate credit requests, establish credit limits, and ensure proper documentation and security. Excellent communication skills for effective stakeholder interaction. Ability to improve underwriting efficiencies while managing risks. Familiarity with loan account verification, cross verification, KYC check, bank passbook check, income and expense assessment, and CPC checklist verification.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in the leasing and credit appraisal department based in Delhi. The ideal candidate will have a strong background in corporate finance and credit risk management. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Engage in development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the competency of the team. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Develop, implement, review, and monitor various credit programs and provide training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Evolve underwriting norms customized to local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance, credit risk management, or a related field. Possess strong knowledge of credit underwriting, credit appraisal, and credit risk management principles. Demonstrate excellent leadership and team management skills, with the ability to lead a team of credit approvers. Exhibit strong analytical and problem-solving skills, enabling sound decision-making in complex situations. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a highly skilled and experienced Area Credit Manager to lead our retail credit team in Thiruvananthapuram. The ideal candidate will have 6-9 years of experience in the banking or financial services industry, with a strong background in credit underwriting and portfolio management. Roles and Responsibility Manage a team of Branch credit managers and Credit Executives to achieve business objectives. Conduct personal discussions with customers to establish creditworthiness and make informed decisions. Ensure pre and post sanction credit risk compliance to maintain high standards. Control delinquencies through portfolio review, particularly monitoring non-starters. Coordinate with sales teams to achieve targets and ensure timely completion of tasks. Support and train the team of Credit Managers/officers to enhance their skills and knowledge. Job Graduate in any discipline with a strong academic record. Minimum 6 years of experience in credit underwriting and portfolio management. Possess strong knowledge of credit principles, practices, and regulations. Demonstrate excellent communication, leadership, and interpersonal skills. Ability to work closely with regional Credit Managers and internal teams like ICQ, Operational, and Sales. Strong analytical and problem-solving skills are required to control portfolio performance and manage risks.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Lucknow. The ideal candidate will have 6-8 years of experience in corporate finance, credit appraisal, and portfolio management. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Possess strong knowledge of corporate finance, credit appraisal, and portfolio management. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong communication and interpersonal skills are required.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in Kolkata. The ideal candidate will have a strong background in corporate finance and credit appraisal, with excellent analytical and leadership skills. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Engage in development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the competency of the team. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Develop, implement, review, and monitor various credit programs and provide training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Evolve underwriting norms customized to local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance and credit appraisal. Possess strong knowledge of credit policy, underwriting, and risk assessment. Demonstrate excellent analytical, leadership, and communication skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong attention to detail and organizational skills are required.

We are looking for a highly motivated and experienced professional to join our team as a Customer Service Representative in Hyderabad. The ideal candidate will have 2 to 7 years of experience in customer service, sales, or related fields. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure login and disbursement numbers meet requirements. Proactively understand customer needs and cross-sell multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, promoting a strong brand identification with potential customers. Job Graduate in any discipline. Minimum 2 years of experience in customer service, sales, or related fields. Possess strong communication and interpersonal skills. Demonstrate the ability to work in a fast-paced environment and meet deadlines. Exhibit excellent problem-solving and analytical skills. Be capable of building strong relationships with clients and vendors. Ensure compliance with all Audit/RBI regulations.

We are looking for a highly skilled and experienced Customer Service Executive to join our team in Delhi. The ideal candidate will have 2 to 7 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform various tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 2 years of experience in customer service, preferably in banking or financial services. Strong knowledge of customer service principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in personal loans and direct sales is an added advantage. Any graduate can apply for this position. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer service and building long-term relationships with its clients.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Ranchi. The ideal candidate will have 6-10 years of experience in corporate finance, credit appraisal, or a related field. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Possess strong knowledge of corporate finance, credit appraisal, and financial services. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong communication and interpersonal skills are required.

We are looking for a highly skilled and experienced professional with 2 to 7 years of experience to join our team as a Manager - Retail Credit - Housing - Credit in Gadag, Maharashtra. The ideal candidate will have a strong background in credit underwriting and management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to determine loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to maintain bankability standards. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree. CA/MBA certification is preferable. Minimum 2 years of experience in credit underwriting and management. Possess strong knowledge of credit underwriting principles and practices. Demonstrate excellent communication and interpersonal skills. Ability to work effectively in a fast-paced environment and meet deadlines.

We are looking for a skilled professional with 6 to 11 years of experience to underwrite corporate finance business and manage the portfolio in assigned areas. The ideal candidate will have a strong background in credit appraisal and risk management. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for designated regions. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Engage in developing, implementing, reviewing, and monitoring various credit programs, providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 6 years of experience in credit appraisal and risk management. Strong knowledge of credit policies, procedures, and regulations. Excellent communication and leadership skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience in leading a team of credit approvers to ensure portfolio quality and delinquencies. Skills in development, implementation, review, and monitoring of various credit programs, along with training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy.