1549 Credit Management Jobs - Page 9

As a Credit & Risk Manager, your primary responsibility will be to oversee credit limits, insurance, and factoring processes to ensure a solid financial foundation that facilitates business expansion. Working closely with internal teams and financial partners, you will play a crucial role in maintaining robust risk control systems. Your key duties will include managing credit limits for buyers and partners, overseeing insurance and factoring arrangements, collaborating with internal departments and external partners to streamline financial operations, maintaining precise financial records, and providing support for financial reporting. Additionally, you will be tasked with identifying and fostering partnerships with financial service providers. To excel in this role, you are required to be a CA or SRCC graduate with a minimum of 2 years of experience in finance. A strong understanding of credit management and risk control, coupled with exceptional communication and stakeholder management skills, will be essential. Being detail-oriented and proactive in managing financial risk will be key to your success in this position. This is a full-time job with health insurance benefits, operating on a day shift schedule. A Bachelor's degree is preferred, and a minimum of 2 years of experience in credit & risk analysis is required. The work location is in person. Join our team as a Credit & Risk Manager and contribute to the financial health and growth of our organization.,

You are part of a global energy business that plays a crucial role in delivering light, heat, and mobility to millions of people daily. Guided by bp values, you will contribute to meeting the world's energy needs while reducing carbon emissions. In Pune offices, you will be involved in customer service, finance, accounting, procurement, HR services, and other enabling functions as an integral part of bp. As a Finance Graduate, your main responsibility is to support the finance team by providing essential financial services and reporting. This includes assisting in preparing financial reports, conducting analyses, and ensuring the accuracy and timeliness of financial data. Your role also involves ensuring compliance with internal policies and external regulations, thereby contributing to operational excellence and superior service delivery. Collaboration with team members is key in performing various financial tasks such as data reconciliation, budgeting, and audit support. This role will help you build a strong foundation in financial skills and gain valuable experience in the energy sector by working closely with experienced professionals to support financial operations. Key responsibilities include aiding in month-end close activities, maintaining financial databases for data integrity, preparing financial statements, suggesting improvements to financial processes, analyzing financial data, and supporting budgeting and forecasting processes. You will face challenges in resolving complex issues, influencing groups with differing priorities, adapting to changing reporting requirements, and demonstrating a strong understanding of financial accounting processes. To qualify for this role, you need a Bachelor's degree in finance, accounting, economics, or a related field, along with 0-2 years of experience in finance or accounting. Proficiency in Microsoft Excel, strong analytical skills, attention to detail, effective interpersonal skills, and the ability to work independently and collaboratively are essential. English language proficiency is required, and negligible travel is expected. This position offers the opportunity for relocation within the country and involves a hybrid of office and remote working. In summary, as a Finance Graduate at this global energy company, you will play a vital role in supporting the finance team, ensuring financial accuracy and compliance, and contributing to operational excellence. You will have the opportunity to develop your financial skills, work with experienced professionals, and contribute to meeting the world's energy needs while reducing carbon emissions.,

Role & responsibilities Responsible for underwriting of Cross Sell products • Manage credit quality and control delinquencies. • Understand credit policy and processes as well as credit environment in the city / branch. • Ensuring 100% screening of new applications. • Ensuring appropriate work allocation. • Responsible for updating and maintain sound Market intelligence of Consumer Durable business. • Investigation on pre-acquisition fraud's • Managing Weekly and Monthly MIS and Trackers. • Assessing training needs to accelerate his teams performance. • Frequent check on feedback going to business. • Monitor and enforce approval rate and TAT as per prescribed standards. • Co-ordination with Business team for resolving queries. • Sharing of best practices and trend for respective locations. • Managing manpower requirements on timely basis. Preferred candidate profile Graduate / MBA 6 8 years of experience Understanding of Loans Business and its key aspects Thanks & Regrads, Naveen HR 8610405856 HDB financial services Pvt ltd

The State Head Business & Credit - Rajasthan position at ParivartanEra Financial Services Pvt Limited is a full-time role based in Jaipur. As the State Head, you will be responsible for achieving Business Targets, hiring productive Relationship Managers (RMs), overseeing credit management, credit risk management, and portfolio management specifically for the state of Rajasthan. Your main duties will involve developing and implementing strategies, policies, and procedures to ensure effective credit risk management and finance operations. You will need to demonstrate Business Target Achievements with a minimum Productivity level per RM of 25 lacs disbursement Month-over-Month (MOM). Additionally, you should possess strong skills in Credit Management, Credit Risk Management, analytics, and financial knowledge. Experience in Portfolio Management is also required for this role. To excel in this position, you must have strong leadership and managerial abilities. Excellent communication and interpersonal skills are essential for effective collaboration within a team environment. The minimum educational requirement for this role is a Bachelor's degree along with an MBA in Finance, Business Administration, or a related field. Moreover, prior experience in the financial services industry, particularly in MSME Micro Lap at 25% ROI bucket, is mandatory. The compensation package for this role is in the range of 10 - 12 lacs with an additional 25% of CTC as an incentive based on achieving Key Result Areas (KRAs) related to Business, Collection, and Credit targets on a Month-over-Month basis.,

You will be responsible for credit control and accounts receivable management by proactively managing a portfolio of customer accounts to ensure timely collection of outstanding debts in accordance with company credit terms. This includes preparing and issuing statements of accounts and dunning letters as per established credit control procedures, as well as maintaining accurate and up-to-date customer records in the accounting system. Additionally, you will assist with the accurate and timely processing of vendor invoices, ensuring proper coding and approvals, and reconcile vendor statements while resolving any discrepancies with suppliers. You will be expected to generate regular reports on accounts receivable aging, collection forecasts, and credit control performance, providing insights on overdue accounts and potential bad debts. To be successful in this role, you should have a Bachelor's degree in Accounting, Finance, Commerce, or a related field, with relevant certification in Credit Management or Accounts being a plus. You should have a minimum of 2-4 years of progressive experience in credit control or accounts receivable, with a strong understanding of collection processes. Experience working with UK-based companies or clients, exposure to UK accounting practices, and familiarity with various accounting software systems (e.g., Xero, QuickBooks, Sage, Microsoft Dynamics) is highly desirable. Your technical proficiency should include familiarity with basic UK accounting practices and VAT implications, proficiency in Microsoft Excel (e.g., VLOOKUP, Pivot Tables), and experience with relevant accounting software. You should also possess excellent verbal and written communication skills in English, with the ability to negotiate effectively and professionally with customers and vendors. Attention to detail, problem-solving skills, organization, time management, customer service orientation, and integrity are key competencies required for this role. In return, you will have the opportunity to lead and optimize critical international logistics operations, gain exposure to diverse global markets and supply chain challenges, receive a competitive salary package, access professional growth and development opportunities, and work in a dynamic and collaborative environment. This is a full-time position with the opportunity for personal and professional development. If you are interested in this role, please provide details of your current monthly CTC, expected monthly CTC, and availability to join. The work location is in person.,

YASH Technologies, a leading technology integrator, is seeking to hire S/4 HANA SD Professionals with a strong knowledge of SD and a minimum of 10-12 years of experience. The ideal candidate should have experience in at least 2 end-to-end S/4 Hana green field implementation/migration projects and be familiar with implementing Global Template. Key responsibilities include working on various facets of the SD module such as Sales Document Processing, Basic Functions, Pricing, Shipping, and Billing Processes. The candidate should have sound knowledge in Credit Management, MTO, Billing Plans, Revenue Account Determination, Intra and Inter Company STO, Inter Company Billing, Inter Company Drop Shipments, Third Party Sales, and more. Additionally, the role requires extensive experience in translating business requirements into Functional specifications, suggesting process improvement techniques, and delivering functionality as per the Business Requirement. Experience with EDI-IDOCS and Interfaces, Batch jobs setup, Advanced customer returns, customer consignments, flexible sales document workflows, and integration aspects with MM-SD-FI/CO modules is highly desirable. At YASH, you will have the opportunity to create a career path while working in an inclusive team environment. The company leverages career-oriented skilling models and technology for continuous learning, unlearning, and relearning at a rapid pace and scale. The workplace is grounded on principles of flexible work arrangements, emotional positivity, self-determination, trust, transparency, open collaboration, and support for the realization of business goals. Join YASH Technologies and be part of a stable employment environment with a great atmosphere and ethical corporate culture.,

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.

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.

We are looking for a highly skilled and experienced Area Credit Manager to join our team at TATA CAPITAL LIMITED in the banking industry. The ideal candidate will have 6-8 years of experience in retail credit, housing, and credit management. Roles and Responsibility Manage and oversee the credit function for retail assets, including loan origination, underwriting, and portfolio management. Develop and implement effective credit strategies to achieve business objectives and growth targets. Build and maintain strong relationships with key stakeholders, including customers, partners, and internal teams. Conduct thorough analysis of credit data and market trends to inform business decisions. Collaborate with cross-functional teams to identify opportunities for process improvements and cost savings. Ensure compliance with regulatory requirements and industry standards in all credit-related activities. Job Requirements Strong knowledge of credit principles, practices, and regulations in the banking industry. Excellent analytical, problem-solving, and communication skills. Ability to work effectively in a fast-paced environment and meet deadlines. Strong leadership and team management skills, with experience supervising and mentoring junior staff. Proficiency in financial modeling and data analysis tools, such as Excel and SQL. Experience working with retail assets, including loans, deposits, and other financial products.

What youll be doing User Journey & Lifecycle Management: Take ownership of mapping & creating customer journeys across different product lines. This includes diving deep into data; segmenting users into various cohorts and tailoring personalised experiences to their specific stages within the product lifecycle. New User Activation Habit Loop Building for Active Users Lapsed User Resurrection Upsell/Cross-sell Campaigns CRM Campaign Execution: Drive the end-to-end execution of CRM campaigns across all key channels, including email, SMS, WhatsApp, and push notifications. This involves managing the entire campaign lifecycle from conceptualization to deployment and post-campaign analysis. Campaign & Brief Development: Collaborate closely with product and design teams to develop campaign briefs. The objective is to craft campaigns that are not only appealing, but also have a positive impact on core metrics. What youll need 1-2 years Experience: Possess 1-2 years of hands-on experience in growth or lifecycle marketing, Hands-On Experience with CRM Tools: Have hands-on experience with at least one leading marketing automation platform or CRM system such as MoEngage or Clevertap. Strong Data & Analytical Acumen: Keen to identify/ create growth opportunities by understanding data. Should possess strong analytical skills; nothing like being able to write your own SQL queries. Curiosity to Experiment: Possess a curiosity to know more and a proactive mindset towards experimentation, consistently seeking opportunities to test new tactics and optimize existing metrics

What youll be doing We are much more than our job descriptions, but here is where you will begin: We are looking for a skilled Copywriter and Content Strategist to join our team. This role is ideal for someone with a passion for crafting compelling brand narratives, extensive experience in writing for various digital platforms, and a knack for developing strategic content plans. The successful candidate will be responsible for creating engaging copy for social media channels, digital campaigns, and other marketing materials. Develop and execute content strategies tailored to our brands voice and audience preferences. Write clear, concise, and persuasive copy for social media posts, digital ads, email campaigns, and website content. Collaborate with the marketing team to brainstorm and create compelling campaign concepts and messaging. Conduct research to understand industry trends, audience behavior, and competitor strategies. Edit and proofread content to ensure accuracy, consistency, and adherence to brand guidelines. Monitor social media platforms and engage with the community, responding to comments, messages, and inquiries. Contribute creative ideas and scripts for video content on our YouTube channel, aligning with our brand identity and marketing goals. What youll need 3+ years of proven experience as a copywriter with a strong portfolio showcasing creative and effective writing across various digital platforms. Excellent command of the English language, with exceptional grammar, punctuation, and storytelling skills. Familiarity with SEO best practices and the ability to optimize content for search engines and social media algorithms. Ability to work collaboratively in a fast-paced environment and manage multiple projects simultaneously. Experience working on the brand side is advantageous, but candidates from social media/digital agencies with relevant copywriting expertise are welcome.

KPMG India is seeking professionals specializing in SAP Sales and Distribution. We are looking for a skilled and experienced SAP SD Senior Consultant with Hana experience to join our team. You will be responsible for implementing, configuring, and supporting SAP Sales and Distribution (SD) solutions on SAP S/4 HANA. Collaboration with internal and external stakeholders is key to success in this position Ideal candidate should have minimum 4 years of experience in SAP SD in full cycle implementations and migration to S/4 Hana projects Strong knowledge of SAP SD processes, configuration, master data, pricing, output, billing, etc. Experience in SAP SD skills like Pricing / Credit Management / Rebates / Consignment / Batch Management/Deliveries and Billing Domain experience exposure Must have experience in Presales Ability to understand business processes from a customer perspective Ability to work in a team environment, effectively interacting with others Looking for experience in Indian Project / GST Sap project management, blueprint, conducting workshop Sap cloud / sap roadmap Must be aware with New features of S4 Hana Bachelor s degree or higher in Information Technology, Business, Engineering, or a related field BE/BTech/MBA/MCA Full-Time Education Good to have any SAP Certification Self-motivated, ability to pick things up quickly. Proactive problem solving . Analyze business requirements and map them to SAP SD processes Configure and customize SAP SD module according to client specifications Perform detailed analysis of complex business process requirements and provide appropriate system solutions; identify, interpret, validate and document Identify gaps, issues and work around solutions Responsible for Pre-sales, Sap project management activities Conduct workshops and presentations to validate business design Collaborate with other functional and technical consultants to ensure the integration and compatibility of the SAP SD solutions with other modules and systems Candidate should be willing to travel in India based on business requirements

"Position Overview: As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer s creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations. Position Details: Position: Credit Analyst Status: Full Time Work from Office Hours: Monday Friday, 9:00am 8:00pm IST Department: President s Choice Financial Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Fraud and Credit Risk Review: o Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification. o Analyze conversations with applicants in real-time to assess potential fraud risk. o Document and approve requirements based on analysis of credit policies. Credit Management: o Administer and control credit terms and limits. o Perform credit limit reviews, reinstatements, and account maintenance. o Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer s requirements and ability. Customer Interaction: o Communicate directly with applicants, adhering to brand standards. o Liaise effectively with other areas impacting the Credit Department. o Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: o Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. o Ensure high levels of accuracy in report maintenance and tracking. Qualifications and Requirements: Educational Background: o Bachelors degree in Finance, Business Administration, or a related field preferred. Experience: o Previous experience reviewing and approving credit is an asset. o Minimum of 1-2 year of customer service experience. o Credit card experience required; credit and fraud experience is an asset. Skills and Competencies: o Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. o Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. o Ability to communicate tactfully with various levels of business management in a professional manner. o Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. o Demonstrated ability to implement change efforts. o Highly motivated with the ability to work independently in a fast-paced team environment. o Knowledge of PCs and strong keyboarding skills. o Proficiency in MS Word, Excel, and Outlook is an asset. o TSYS/ADM system knowledge is an asset. o Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department. "

Reporting to the Group Manager, Customer Support Consultant is responsible to provide customer service to our external and internal customers and third parties, being responsible for carrying out relevant and designated tasks within the External Collections and Customer Support function. Responsibilities Ensure Service Level Agreement parameters are met, including incoming post/fax/emails and work lists and export files. - 15% Facilitate verbal and written communication with customers and authorised third parties as required. - 10% Maintain accurate records on the Company s internal systems. -10% Maintain a high level of quality at all times & carry out any other ad-hoc duties as requested by management. - 10% Negotiate with the customer or authorized third parties to reach agreement on payment or resolution of issues. - 10% Provide an efficient professional service to both internal and external stakeholders at all times. - 10% Provide support, cover, assistance and or guidance to other teams within support operations as required. - 10% Use a variety of systems in addition to Cabot s internal systems to obtain, utilise and process documentation relating to customers / authorised third parties. - 10% Education Required: Bachelor; Any Experience Required: Minimum 1 year experience in International VOICE process Candidate should be a Graduate Require Candidates can be from UK/US -Collections/Non-Collections background Candidate should not be from Tech-support background ( Non-hiring organizations- IYOGI/QUA. Basic PC Skills. GCSE level in English & Maths Good negotiations skills. Excellent communication skills (both written and verbal) . Excellent organisation and time management skills. Ability to handle a varying and demanding workload. Ability to meet tight time deadlines. Preferred: Positive can do attitude Confident communicator Intuitively empathetic Seeks learning opportunity and self development. What We Offer We understand the important balance between work and life, fun and professionalism, and corporation verse community. We strive to support your career aspirations and provide the benefits you need to live a more fulfilling life. Our compensation and benefits programs were created with an Employee-First Approach focused on supporting, developing, and recognizing YOU. We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within. All these things are just a small way to show our employees that we recognize their value, we understand what is important to them, and we reward their contributions. About Us Headquartered in the United States, Encore Capital Group (Encore) is a publicly traded international specialty finance company operating in various countries around the globe. Through our businesses - such as Midland Credit Management and Cabot Credit Management - we help consumers to restore their financial health as we further our Mission of creating pathways to economic freedom. Our commitment to building a positive workplace culture and a best-in-class employee experience have earned us accolades including Great Place to Work certifications in many geographies where we operate. If you have a passion for helping others and thrive at a company that values innovation, inclusion and excellence, then Encore Capital Group is the right place for you. Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and are committed to fostering an inclusive and welcoming environment where everyone feels they belong. We encourage candidates from all backgrounds to apply. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status, or any other status protected under applicable law. If you wish to discuss potential accommodations related to applying for

SAP SD Analyst1 Job TitleSAP SD Analyst Position Overview:Person will be responsible for identifying, developing and implementing software solutions. This will include working with process owners to identify continuous improvement opportunities and develop software solutions to support process effectiveness and efficiency. Individuals will also be accountable for managing projects and software throughout their respective lifecycles. Roles and Responsibilities: Directly participate in the analysis, configuration, modifying and implementation of IT Business SystemsDemonstrate good communication, analytical and problem-solving skills to help identify, communicate and resolve system issues in order to maximize the benefit of IT systemsAnalyze the effectiveness and efficiency of existing business processes and business requests, and recommend solutions using system standards and best practicesConduct analysis of system specifications, configurations and develop appropriate documentationCreate detailed specifications and process flows to provide direction to application developersPerform solution designing, requirements definition, functional design, testing and implementation of IT solutionsSupport, assist and train the users on new modified system configurations highlighting the impact on business processesMaintain IT Business system integrity and application notes, system upgrades, changes, and user updatesWork closely with onsite team, off shore team, managers and executives to ensure the release of high quality solutionsComply with regulatory and change control requirements and processes Skill/Job Requirements: 4-5 years of SAP ERP Business Systems Analysis experience with focus on SAP SDStrong cross module functional knowledge between SD-MM, SD-FICOIn depth knowledge of standard SAP Sales, Returns, Pricing, Accounting, Credit Management, Shipping, Foreign trade and Customs, Variant Configuration and Availability checkWorking knowledge of Interfaces (IDOCS, EDI, XML etc.) with other SAP and non-SAP systems and middlewareExposure to Revenue Recognition and external Tax systems like VertexUnderstanding of user exits and debugging skills preferredExperience working with business end users, gathering requirements and building detailed functional design specificationsAbility to work on multiple projects concurrentlyAbility to work with minimum supervision or guidanceProficient in MS office tools and basic ABAP preferredFamiliarity with Software Development Lifecycle (SDLC) processesGood verbal and written communication skillsShould contribute in team building measures like Knowledge Management & MentoringSAP CRM experience preferredIntegration with 3rd party logistics/trade solutions like Processweaver, Amber Road preferred

Choosing Capgemini means choosing a company where you will be empowered to shape your career in the way youd like, where youll be supported and inspired by a collaborative community of colleagues around the world, and where you ll be able to reimagine what s possible. Join us and help the world s leading organizations unlock the value of technology and build a more sustainable, more inclusive world. Your Role Lead and support SAP Order to Cash (OTC) implementations and rollouts across global business units Configure and enhance SAP SD (Sales and Distribution) modules to support end-to-end OTC processes Collaborate with cross-functional teams to integrate OTC with MM, FI, and third-party systems Conduct workshops to gather business requirements and translate them into functional specifications Your Profile 612 years of hands-on experience in SAP SD/OTC implementations and support. Strong understanding of OTC business processes including order management, pricing, billing, and credit management. Experience with SAP S/4HANA or ECC environments. Integration knowledge with SAP MM, FI, and third-party logistics or CRM systems. Proficient in configuring pricing procedures, output determination, and delivery processing. Experience with IDocs, EDI, and interfacing with external systems. What youll love about working with us Flexible work optionsHybrid Competitive salary and benefits package Career growth with SAP and cloud certifications Inclusive and collaborative work environment

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline 1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers. 2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework 3. Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. 4. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. 5. Arrange for Credit programs and training within company's credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio. 6. Authorize deviations raised and documented by underwriters in compliance with credit policy. 7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. 8. Co-ordinate with the recoveries team and generate business insights. 9. Manage end to end credit approval for the designated zone. 10. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. 11. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. 12. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. 13. Develop cross functional collaboration to smooth business and ensure quick TAT 14. Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Key Objective of the Job: Handling the Proposal Sanction Management Process of the branches. Key Deliverables: Ensure the credit policy implementations. Quality CAM making and updation along with Tele Verification & Report in cases. Manage and supervise CPA/ FI agency/ valuation agency operations. Ensure quality portfolio of the branches within the set parameters of non-starters. Conduct training for FI/CPA/ Channels and cross verticals at regular intervals. Visit Channels/ Branches and customers at regular intervals. Education Qualification: MBA / CA/ ICWA/ CS/ M.com/ B.Com. (Hons.) Specialized job competencies: Functional Competencies Process-Orientation Team Skills Basic understanding of Credit process Technical knowledge in financial analysis Ability to sustain pressure Facilitator Behavioral Competencies Execution Excellence Customer Centricity Fostering Synergy Hiring Parameters: Good communication skill Knowledge of IT and Computers Software Compliance Orientation Location - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

To underwrite and manage the portfolio in assigned branch/location Responsibilities: Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third partiesTake ownership of client queries and use industry knowledge and experience to overcome challenges and solve problemsExceed service quality standards and strive for continuous process improvement Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. Educational 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. Location: Mumbai,New Delhi,Pune,Bangalore,Hyderabad,Chennai

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches.Credit-Operations Manager will ensure 100% process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. core Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process.Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.Ensuring gating rejections in line with credit policy and close monitoring on login quality.Ensuring timely initiation of internal reports and checks as mandated by credit policy.Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy.Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing.Ensure 100% adherence to policies and SOPs across all credit-operations processes.Identify and rectify process gaps to enhance efficiency and accuracy.Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required.Ensure compliance with regulatory requirements and internal controls.Work on Loan Origination System (LOS) and Finnone for loan processing.Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting.Support digital initiatives to streamline credit-operations processes and improve efficiency.Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region.Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency.Conduct periodic performance reviews and ensure team adherence to KPIs.Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs):First Time Right (FTR) Ensuring minimal errors in loan files.Turnaround Time (TAT) Ensuring quick and efficient loan processing.Compliance Adherence No deviations from policy and regulatory guidelines.Process Efficiency Identifying and implementing improvements in workflows.Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit teamResponsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques.Hold regular meetings with the business team & conduct regular training for improvement in FTR filesWork cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processesPrioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC.Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

Job Purpose Support and co-partner with the sales team to underwrite mortgage business and manage the portfolio of respective zone. Responsibilities Core Responsibilities: Own theentirecreditunderwriting process for his/her zone, including the consistent application of acreditpolicy, periodiccreditreviews of existing customers, early warning and delinquency management and the assessment of thecredit-worthiness of potential customers. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework Assess customers sourced by the Sales team as per thecreditpolicy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. Arrange forCreditprograms and training within company'screditframework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality ofcredit& maintain a healthy portfolio. Authorize deviations raised and documented by underwriters in compliance with credit policy. Monitor and oversee PDD management and ensure 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 any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Manage end to end credit approval for the designated zone. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Develop cross functional collaboration to smooth business and ensure quick TAT Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems

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.

You'll make an impact by: Order Entry Receive order from the customer. Validate order details (product, quantity, price, terms). Enter order into the system (ERP/CRM). Order Management Check inventory availability. Confirm order with customer. Schedule delivery or production. Credit Management Perform credit check. Approve or decline order based on creditworthiness. Communicate credit decisions to the sales team and customer. Order Fulfillment Pick and pack items from inventory. Generate shipping documents. Ship the order to the customer. Confirm delivery. Invoicing Generate invoice based on order and delivery confirmation. Send invoice to the customer. Record invoice in the accounting system. Accounts Receivable Monitor outstanding invoices. Send payment reminders and follow-ups. Resolve any billing disputes. Cash Application Receive payment from the customer. Apply payment to the correct invoice. Update the accounts receivable ledger. Reporting and Analysis Generate reports on sales, outstanding receivables, and payment status. Analyze trends and identify areas for process improvement. Provide insights to management and other stakeholders. You'll win us over by: Should be graduate. Relevant 2 Yrs of Experience.