1585 Credit Management Jobs - Page 40

Role & responsibilities Responsible for credit underwriting, credit appraisal of secured and unsecured products. Ensuring adherence to credit policy and KYC policy. Pre Screening of documents uploaded in the portal. Handling of detail data entry in portal. Verifying all KYC's and financial documents of the borrower. Verifying online RIC process. CAM preparation and capturing of appropriate deviations in the CAM. Coordinating with business team to resolve queries. Escalating loan applications to Credit Manager/Area Credit Manager for loan approvals. Preferred candidate profile Language - Kanada is must

Position Purpose To conduct audit work in accordance with the IG methodology and ensure high standard of deliverables To contribute to risk assessment of audit units based on knowledge obtained through assignments as well as day-to-day contact with auditees To follow through with auditee on implementation of recommendations Responsibilities Direct Responsibilities 1. Participate in the audit team assignments and special reviews (when required by regulators, business lines, or senior management) Head of Assignment -Lead the assignment / review in accordance with BNPP Internal Audit Guidelines, International Professional Practices and established internal communication protocol. -Plan, oversee and co-ordinate the work performed to ensure optimal resource allocation and efficient completion of assignment by preparing the methodology, collating raw data, obtaining past recommendations, preparing meetings with auditees, etc. -Assess the key risks of the audited areas and coordinate the team to identify weaknesses in governance, risk management and control in those areas and raise appropriate findings and recommendations. -Review work done by audit team to ensure that the work scope objectives are achieved. -Complete the audit report within the recommended timeline. -Escalate to the Supervisor unresolved matters or disputes with the auditees for timely resolution. Auditor of Assignment -Assist in documentation gathering for the assignment. - Assist in assessing the key risks of the audited areas and identify weaknesses in governance, risk management and control in those areas by carrying out appropriate evaluation and tests. - Raise appropriate findings and provide appropriate value-added recommendations to mitigate identified risks. - Complete and file investigation working papers for easy retrieval to substantiate work performed. 2. Review the implementation of the Inspection Gnrale recommendations -Validate the implementation of recommendations and maintain audit trail of correspondences with auditees in respect of all implementation. 3. Contribute to the periodic risk assessment of covered activities and planning Perform a periodic and comprehensive risk assessment of the covered activities as per the Group guidelines. Keep abreast of change/new development of regulatory requirements that are relevant to the covered activities and related functions. Assist in the elaboration of the audit planning following a risk-based approach. Contributing Responsibilities Contribute to the improvement of the Inspection Gnrale practices through the elaboration and update of our methodologies. Technical & Behavioral Competencies Is conversant with and applies appropriately audit methodology/standards and control concepts Possesses knowledge of business, products, risks, practices, policies and regulations Practically adapts theory and experience to circumstances of assignment Demonstrates planning, organizing and communication / interpersonal skills in conducting assignments and dealing with auditees Be analytical and able to anticipate problems/obstacles, able to distinguish material from non-material items in making decisions Is mindful about deadlines and disciplined in completing deliverables at the required level of standard Team Work spirit Good written and oral communication skills in English Specific Qualifications (if required) Possess experience in external auditing / internal auditing / credit / risk / compliance / internal control / operations in the financial services industry with a minimum of 5 years in internal audit. Possess a Bachelors / Masters degree in related disciplines; Professional Qualification/Certificate in Audit / Accounting, e.g. CA, CIA, CISA, is a plus. Skills Referential Behavioural Skills(Please select up to 4 skills) Ability to collaborate / Teamwork Attention to detail / rigor Communication skills - oral & written Critical thinking Transversal Skills: (Please select up to 5 skills)Analytical AbilityAbility to manage / facilitate a meeting, seminar, committee, trainingAbility to anticipate business / strategic evolutionAbility to manage a projectAbility to understand, explain and support changeEducation Level:Master Degree or equivalentExperience LevelAt least 7 years Other/Specific Qualifications (if required)

Position Purpose Purpose: As a member of the Clearing and Compressions Middle Office, you will work as part of a wider Product Control function, with responsibility for trade clearing and compression, CCP margin bookings, and static data updates and approval. The activities done by the team perform a vital role optimising the Banks balance sheet and counterparty risk profile, whilst ensuring that relevant regulatory requirements are met. Main driver are client service quality, independent control, operational risk safety and cost efficiency Responsibilities Direct Responsibilities CP Margin bookings Weekly Credit Backloading cycles (ICE, LCH) Monitoring intraday clearing of Credit and Rates trades Rates portfolio reassignments Coordination of internal trade compressions Daily and ad-hoc static data requests 3rd Party vendor compressions (Rates, FX, Credit) Monitoring of team mailboxes, ensuring that all queries are resolved/assigned promptly Escalate issues to Senior Analyst and Manager where appropriate Creation and update of procedures/SOPs Challenge processes as part of a continuous improvement culture Raise IT requests for system enhancements and/or bug-fixes when required Work cooperatively with other teams within Product Control to reduce operational risk and maintain the highest level of support for our clients across the business Build and maintain good working relationships with other internal clients such as trading, sales, business management and back office teams Participate in projects as requested by Manager or Senior Analyst Be fully autonomous on all analyst tasks, whilst training on Senior Analyst tasks and responsibilities Contributing Responsibilities Contribute to the Permanent Control framework. Respond and resolve queries on a timely manner. Technical Behavioral Competencies Technical Knowledge Relevant experience in a Trade Support or Middle Office role Ability to work constructively within a team Knowledge of Credit and Rates products and their trade lifecycles Ability to manage pressure and meet deadlines and objectives in a dynamic environment Analytical and Organizational Skills Results Orientation Effective written and verbal communication skills Time-management and prioritization Excel skills to an intermediate level High degree of interest in product and process issues affecting the department Demonstrate proactivity, transparency and accountability for identifying and managing risks Support and foster a culture of good conduct Consider the implications of your actions on colleagues, partners and clients before making decisions, and escalate issues to your manager when unsure Skills and competencies Analytical mindset : Aptitude to understand the F2B workflows and handle exceptional issues with logical mindsets to communicate with Front Office Organized good resistance to stress: E xcellent time management and good positive resistance to stress are compulsory. Attention to detail : Escalate in timely manner, highlight any abnormalities Innovation and initiatives (Think outside the box) : Demonstrate willingness to constantly improve the status quo. Understand well the processes suggest innovative ideas. Self-discipline autonomy : Have a constant delivery on time mindset, on the daily production. Adaptability Change Management : Ability to easily adapt to new situations (new booking systems, new products, new activities to manage) as this is a constant changing environment Strong Client Focus : Capacity to work with various clients. Need to be sensitive about the rationale of their requests and be proactive when replying to them. Work as partnership while consistently keeping an independent mindset. Escalation Reporting process : Internal rules of reporting and escalation to Ops and FO need to be known applied. Specific Qualifications (if required) Strong Preference to have Bachelor or Master Degree on Economics, Mathematics or Finance. Skills Referential Behavioural Skills : (Please select up to 4 skills) Creativity Innovation / Problem solving Attention to detail / rigor Client focused Ability to collaborate / Teamwork Transversal Skills: (Please select up to 5 skills) Analytical Ability Ability to understand, explain and support change Ability to develop and adapt a process Ability to develop and leverage networks Ability to manage a project Education Level: Bachelor Degree or equivalent Experience Level Beginner Other/Specific Qualifications (if required)

Essential Services: Role & Location fungibility At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. About the Role ICICI Bank is pleased to on-board Chartered Accountants across various functional domains like Relationship Management, Credit Management, Risk & Compliance, Audit, and Product Management. The roles offered will involve building and nurturing relationships with corporate and institutional client segments comprising of Large & Global Client Groups, PSUs, and Capital Markets & Custody. ICICI Bank believes in serving the entire banking needs of the customer through a customer-360 degree approach, this necessitates all the employees to work beyond the role boundaries and product domains. Chartered Accountants play a pivotal role in Banking & Finance. They bring in the lens of financial acumen and analytical abilities. Across various roles, from dealing with customers to managing the risk framework, creating products, shaping technology solutions, planning, taxation, and in many other areas CAs have shaped Banking as a whole. Hence, they become a natural choice at ICICI Bank for various roles. Applicants are expected to apply for this opportunity with an understanding that every job role at ICICI Bank will entail Sales & Relationship management. The role and location offered will solely depend upon the requirement of the Bank. Key Responsibilities Customer 360 Build and deepen relationships with customers to increase their wallet share and revenues through customer-centric engagements. Ensure the customer's needs are captured holistically and solutions are offered using the 360-degree banking framework by recommending the right products within the guiding principle of Fair to Customer, Fair to Bank . Risk Calibrated Business Development Market scoping, segmenting and onboarding new clients as per the risk frameowrk of the bank to drive ecosystem revenue. The role holder for the purpose of business origination, will engage with many internal and external stakeholders like corporate clients, banks, brokers, regulators as per the needs of the role. Market scoping, segmenting and onboarding new clients as per the risk frame work of the bank to drive ecosystem revenue. The role holder for the purpose of business origination, will engage with many internal and external stakeholders like corporate clients, banks, brokers, regulators as per the needs of the role. Portfolio Management Manage a high-quality portfolio of corporate clients. Work towards generating new business leads as well as deepening relationships with existing customers. Customer Service Create service excellence by partnering with customers through their life cycle and offer suitable products and services based on their financial needs while being fair to and fair to the bank in all engagements. Create service excellence by partnering with customers through their life cycle and offer suitable products and services based on their financial needs while being fair to customer and fair to bank in all engagements. Behold our values Offer products that are fair to our customers and fair to the bank. Qualifications & Skills Educational Qualification Chartered Accountant with 0-6 years of experience Communication skills Ability to tailor conversations (both verbal & written) around the need of customer with utmost focus on service deliver Financial Understanding An understanding of the financial analysis, balance sheet, profit & loss accounts and cash flow statements. Knowledge of basic banking products Location : - Chennai,Hyderabad,Bengaluru,Mumbai

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit risk management strategies to minimize losses. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure adherence to all relevant laws, regulations, and industry standards related to credit management. Job Requirements Strong knowledge of credit underwriting principles, including credit scoring and risk modeling. Experience working with affordable housing products, such as home loans and LAP. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong collaboration with stakeholders. Ability to work in a fast-paced environment, meeting deadlines and delivering high-quality results. Proficiency in credit management systems and software applications, with strong technical skills.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements. Develop and implement effective credit policies and procedures to minimize risk. Conduct thorough credit assessments and provide recommendations for approval or denial. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement. Ensure adherence to internal controls and audit guidelines. Job Requirements Strong knowledge of credit underwriting, risk assessment, and financial analysis. Experience in managing credit portfolios, preferably in the BFSI industry. Excellent analytical and problem-solving skills, with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build relationships with stakeholders. Proficiency in credit management software and systems, with the ability to learn new technologies.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including credit appraisal and approval. Develop and implement effective credit policies and procedures to minimize risk. Build and maintain strong relationships with clients and stakeholders. Conduct regular credit reviews and provide recommendations for improvement. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities. Job Requirements Strong knowledge of credit analysis, financial modeling, and risk management. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in Microsoft Office and other relevant software applications. Strong analytical and problem-solving skills. Experience in managing and leading a team of credit professionals.

We are looking for a highly skilled and experienced Area Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function within the bank's affordable housing portfolio. Develop and implement strategies to enhance credit quality and minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Conduct regular credit reviews and provide recommendations for improvement. Ensure compliance with regulatory requirements and internal policies. Analyze market trends and competitor activity to identify opportunities for growth. Job Requirements Strong knowledge of credit underwriting, risk assessment, and credit management principles. Experience working with affordable housing products, including housing loans and mortgage finance. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong collaboration with stakeholders. Ability to work in a fast-paced environment and meet deadlines. Strong understanding of financial regulations and compliance requirements.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize business growth. Build and maintain strong relationships with customers, providing excellent customer service and support. Collaborate with cross-functional teams to achieve business objectives and drive sales growth. Conduct thorough analysis of credit data to identify trends and areas for improvement. Ensure compliance with regulatory requirements and internal controls. Job Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. Excellent communication and interpersonal skills, with the ability to work effectively with diverse stakeholders. Proficiency in credit software and systems, with the ability to learn new technologies quickly. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience working in a similar role within the BFSI industry, preferably in a branch credit manager position.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize business growth. Build and maintain strong relationships with customers, providing excellent customer service and support. Conduct thorough credit assessments and analyze financial data to make informed decisions. Collaborate with cross-functional teams to achieve business objectives and drive sales growth. Monitor and report on credit performance metrics, identifying areas for improvement and implementing corrective actions. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills, with attention to detail and accuracy. Ability to work effectively in a fast-paced environment, meeting deadlines and targets. Strong communication and interpersonal skills, with the ability to build rapport with customers and colleagues. Proficiency in credit management software and systems, with the ability to learn new technologies quickly. Experience working in a similar role within the BFSI industry, preferably in a branch credit manager position.

We are looking for a highly skilled and experienced Credit Analyst to join our team at Equitas Small Finance Bank. Roles and Responsibility Conduct thorough credit analyses and assessments to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Collaborate with cross-functional teams to identify and mitigate potential risks associated with credit lending. Analyze market trends and competitor activity to stay informed about industry developments. Prepare comprehensive reports and presentations to communicate findings and recommendations to stakeholders. Stay up-to-date with regulatory changes and industry best practices to continuously improve credit analysis processes. Job Requirements Strong understanding of credit cards, credit, and underwriting principles. Excellent analytical and problem-solving skills, with attention to detail and the ability to interpret complex data. Effective communication and interpersonal skills, enabling strong relationship building with clients and colleagues. Ability to work in a fast-paced environment and meet deadlines while maintaining high-quality standards. Proficiency in relevant software applications and systems, with the ability to learn new technologies quickly. Strong knowledge of the BFSI industry, including current trends and regulatory requirements.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including credit appraisal and approval. Develop and implement effective credit policies and procedures to minimize risk. Build and maintain strong relationships with clients and stakeholders. Conduct regular credit reviews and provide recommendations for improvement. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities for growth. Job Requirements Strong knowledge of credit analysis, financial statements, and regulatory requirements. Excellent communication and interpersonal skills, with the ability to work effectively with diverse stakeholders. Ability to analyze complex data and make informed decisions. Strong understanding of emerging enterprise banking products and services. Experience working in a fast-paced environment with multiple priorities and deadlines. Proficiency in using credit software and systems, with the ability to learn new technologies quickly.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance and risk management. Identify opportunities to cross-sell and upsell relevant products and services. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit portfolios and identifying risks. A graduate or postgraduate degree is required.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize business growth. Build and maintain strong relationships with customers, providing excellent customer service and support. Collaborate with cross-functional teams to achieve business objectives and drive sales growth. Conduct thorough credit analysis and assessments to determine client creditworthiness. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing corrective actions. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills, with the ability to build strong relationships with customers and colleagues. Proficient in MS Office and other financial software applications. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience working in a similar role within the BFSI industry, preferably in a branch credit management position.

We are looking for a highly skilled and experienced Area Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize business growth. Conduct thorough credit assessments and provide recommendations for approval or denial. Collaborate with cross-functional teams to ensure seamless credit delivery and customer satisfaction. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure compliance with regulatory requirements and internal controls. Job Requirements Strong knowledge of Inclusive Banking, SBL, Mortgages, and Credit products and services. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong relationships with customers and stakeholders. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong understanding of credit underwriting principles and practices, with experience in assessing creditworthiness. Proficiency in credit management systems and software applications, with excellent technical skills.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including credit appraisal and approval. Develop and implement effective credit policies and procedures to minimize risk. Build and maintain strong relationships with clients and stakeholders. Conduct regular credit reviews and provide recommendations for improvement. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities for growth. Job Requirements Strong knowledge of credit analysis, financial statements, and regulatory requirements. Excellent communication and interpersonal skills, with the ability to work effectively with diverse stakeholders. Ability to analyze complex data and make informed decisions. Strong understanding of emerging enterprise banking products and services. Experience working in a fast-paced environment with multiple priorities and deadlines. Proficiency in using credit software and systems, with the ability to learn new technologies quickly.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit risk management strategies to minimize losses. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure adherence to all relevant laws, regulations, and industry standards related to credit management. Job Requirements Strong knowledge of credit underwriting principles, including credit scoring and risk modeling. Experience in managing large volumes of data and providing actionable insights to stakeholders. Excellent analytical and problem-solving skills, with the ability to interpret complex financial data. Effective communication and interpersonal skills, enabling strong collaboration with diverse teams. Ability to work in a fast-paced environment, meeting deadlines and delivering high-quality results. Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance metrics. Identify opportunities to cross-sell and upsell relevant products. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong analytical and problem-solving skills. Experience in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures to minimize risk and maximize revenue. Build and maintain strong relationships with customers, providing excellent customer service and support. Conduct thorough credit assessments and analyze financial data to make informed decisions. Collaborate with cross-functional teams to achieve business objectives and drive growth. Monitor and report on credit performance metrics, identifying areas for improvement and implementing corrective actions. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills, with attention to detail and accuracy. Ability to work effectively in a fast-paced environment, meeting deadlines and targets. Strong communication and interpersonal skills, with the ability to build rapport with customers and colleagues. Proficiency in credit management software and systems, with the ability to learn new technologies quickly. Experience working in a similar role within the BFSI industry, preferably in a branch credit manager position.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and analyze credit data to determine client creditworthiness. Develop and implement effective credit risk management strategies. Conduct thorough credit assessments and provide recommendations. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit portfolio performance and risks. Identify opportunities to improve credit processes and procedures. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong understanding of financial markets and economic trends. Experience working with small and medium enterprises is preferred.

We are looking for a highly skilled and experienced Area Receivables Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the receivable portfolio for the assigned area, ensuring timely recovery of outstanding amounts. Develop and implement effective strategies to improve collection efficiency and reduce delinquencies. Collaborate with cross-functional teams to identify and mitigate potential risks associated with loan disbursement. Analyze and report on key performance indicators (KPIs) related to receivables management, providing insights for business decisions. Ensure compliance with regulatory requirements and internal policies governing receivables management. Lead and motivate a team of professionals responsible for managing receivables operations, fostering a culture of excellence and continuous improvement. Job Requirements Strong knowledge of Micro Finance products and services, including loans, deposits, and other financial instruments. Proven experience in managing large portfolios of receivables, preferably in the BFSI industry. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets and make informed decisions. Effective communication and interpersonal skills, enabling strong collaboration with diverse stakeholders. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong leadership and team management skills, with experience in supervising and developing high-performing teams.

A career in IBM Consuting is rooted by ong-term reationships and cose coaboration with cients across the gobe. You' work with visionaries across mutipe industries to improve the hybrid coud and AI journey for the most innovative and vauabe companies in the word. Your abiity to acceerate impact and make meaningfu change for your cients is enabed by our strategic partner ecosystem and our robust technoogy patforms across the IBM portfoio. Curiosity and a constant quest for knowedge serve as the foundation to success in IBM Consuting. In your roe, you' be encouraged to chaenge the norm, investigate ideas outside of your roe, and come up with creative soutions resuting in ground breaking impact for a wide network of cients. Our cuture of evoution and empathy centres on ong-term career growth and deveopment opportunities in an environment that embraces your unique skis and experience Required education Bacheor's Degree Preferred education Master's Degree Required technica and professiona expertise Over a 12 pus years of experience in SAP Area with FSCM impementation and exceent communication skis, as these are cient facing roes Assists cients in the seection, impementation, and support with hands on experience at east in one end to end impementation. Lead mutipe sized projects as team member or ead to impement new functionaities and improve existing functionaities incuding articuating, anayzing requirements and transating them into effective soutions Knowedge and experience in impementation panning, fit anaysis, configuration, testing, roout and post-impementation support. Experience in working with teams to prioritize work and drive system soutions by ceary articuating business needs Preferred technica and professiona experience Overa industry experience of 12+ years in SAP with hands on expertise on FSCM with HANA impementation Candidate shoud possess good knowedge and understanding in the FSCM Modue with ands on experience at east in one end to end impementation project. Mandatory hands-on impementation knowedge in the foowing sub modue Credit Management & Cash Shoud be abe to create requirement specifications based on Architecture/Design/Detaiing of Processes

Key Responsibilities: Manage and oversee all aspects of credit operations for LAP at the branch level. Evaluate loan applications, conduct due diligence, and assess the creditworthiness of potential customers. Ensure the timely and accurate processing of loan proposals and documentation. Monitor loan disbursements, repayments, and portfolio performance. Ensure compliance with internal policies, regulatory guidelines, and risk management frameworks. Guide and mentor branch credit officers to enhance team performance and customer satisfaction. Collaborate with the sales team to drive loan growth and business targets. Regularly review the portfolio for non-performing assets (NPA) and implement corrective actions.

In this role, you will: Ensure customer satisfaction by providing support services in the delivery of a wide range of Trade Service products Perform issuing, advising and amending of letters of credit, negotiation of letters of credit documents, processing documentary and direct collections in accordance with Trade Services standards Guide individuals on complex tasks including amending letters of credit, processing documentary and direct collections in accordance with Trade Services standards Assist leaders in training staff on new products or procedures and coordinate workflow in the absence of leadership Prioritize work and provide day-to-day leadership to team Identify opportunities for additional product sales through client referrals and make recommendations to changes in existing policies and procedures Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals Interact with internal customers Receive direction from leaders and exercise independent judgement while developing the knowledge to understand function, policies, procedures, and compliance requirements Required Qualifications: 6+ years of Trade Service experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

The Position We are looking for a skilled Credit Manager to join our team The candidate must have a passion for credit and be able to work collaboratively with other stakeholders, Department: Credit Location: Bangalore Employment Type: Full time Roles & Responsibilities Assessment of borrower's profiles, repayment capacity and income stability, Visiting business premise, property and residence of customer at the time of PD Understanding of actual business income & expenses (other than reported income) of customer Ability to understand customer business and requirement from their perspective Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD Study, analysis and interpretation of legal & technical reports of property Study, analysis and interpretation of other internal check reports Underwriting and sanction of Home loan/loan against property files sourced by sales team Revert on post sanction conditions prior to disbursement based on queries raised by the team Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix Co-ordinate and communicate with different departments Maintaining TAT as per guidelines and taking case to decision point Adherence to the policy/ process laid out by the Central team on all loan applications being processed Close monitoring on non-starters/first EMI bounce trends Maintaining and reporting of various MIS to monitor portfolio performance and risk Continuously improvise underwriting capability based on portfolio performance Key Skills / Requirements Graduate with 3 5 yearsexperience, Strong knowledge of affordable home segment Benefits Competitive salary packages and bonuses, Mediclaim plans for you and your dependents Access to educational resources for self-improvement technical and non-technical