46 Credit Manager Jobs

Hi, Menka here from Onboard HRServices!! On Spot Opportunity! As Branch Credit Manager - HL/LAP Prime at Jaipur with Leading NBFC Interested candidates can share CVS on menka@onboardhrservices and WhatsApp +91 8779790290

Need Credit Manager for Lap Location - Ludhiana Need exp in mortgage loan Education - CA or MBA Or CWA CTC Can be discuss Age - 37 Yrs Pls share cv on sanjeevani.dupare@voicehr.in

Need Credit Manager for Lap Location - Vikarabad & Mahbubnagar Need exp in Home loan & Lap CTC Can be discuss Age - 37 Yrs Pls share cv on sanjeevani.dupare@voicehr.in

Need Credit Manager for Prime Home Loan Location - Chennai Need 3-5 Years exp in Prime Home loan Underwriting. Prefer Immediate & 30 Days notice period candidates. CTC Upto 11 Lacs Age - 33-34 Yrs Pls share cv on sanjeevani.dupare@voicehr.in

Role & responsibilities Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EM Preferred candidate profile Graduate/Postgraduate. 4-6 years Credit/Underwriting experience. Understanding of portfolio metrics. Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.

Role & responsibilities: Reviewing and Evaluating Proposals : Assessing construction finance or developer finance proposals initiated by the sales team. This involves analyzing cash flows, evaluating the viability of real estate projects, and considering legal and technical aspects. Additionally, visiting project sites alongside the business team. Coordinating with Internal Legal and Technical Teams : Collaborating with in-house legal and technical experts to evaluate project feasibility. Detailed Due Diligence : Conducting thorough due diligence on proposal data. Cash Flow and CAM Evaluation : Analysing project cash flows and evaluating Credit Appraisal Memo (CAM). Recommendations to Approving Authority : After evaluation, recommending construction finance proposals to the approving authority. Pre-Disbursement Conditions Assessment : Evaluating pre-disbursement conditions before funds are released. Post-Disbursement Monitoring : Monitoring disbursements, ensuring compliance with covenants, and overseeing project progress. Ongoing Project Monitoring : Continuously monitoring funded projects after disbursement. Subsequent Tranche Disbursements : Releasing subsequent tranches as needed. Issuing NOC for Unit Sales : Providing a No Objection Certificate (NOC) for selling units or apartments. Periodic Portfolio Assessment: Regularly assessing project performance in comparison to actual targets, either monthly or quarterly. Specialized Competencies : Analytical Skills : Proficiency in analysing financial data and making informed decisions with available data. Credit Appraisals/ Project reports : Assessing mid-size loan proposals (ranging from 5 to 40 Cr or more). Real Estate funding/ Project Finance Understanding : Familiarity with the real estate business, including builder and developer practices. Legal and Technical Knowledge : Understanding regulations, legal complexities, and technical requirements related to real estate development. Preferred candidate profile At least 3 years of relevant experience in developer finance, project finance, real estate funding, or construction finance credit. Candidates should hold a CA or MBA degree. Desired Attributes: Project Finance Credit: Familiarity with credit assessment in project finance or real estate finance. Language Proficiency: Fluency in the local language, English and/or Hindi. Team Collaboration: Ability to work with team.

As a Credit Manager specializing in Secured Business Loans at B Square in Rajahmundry, you will be responsible for assessing and managing credit applications for business loans. Your primary role will involve evaluating the creditworthiness of applicants, analyzing financial data, and determining the risk associated with each application. You will play a key role in making recommendations on loan approvals, ensuring compliance with internal policies and regulatory requirements. Additionally, you will be expected to conduct thorough background checks, review collateral documentation, and communicate effectively with internal teams and customers to facilitate the loan approval process. The ideal candidate for this position should have a strong background in credit analysis, risk assessment, and financial statement analysis. You should possess excellent communication skills, attention to detail, and the ability to work effectively in a fast-paced environment. A deep understanding of secured business loans and relevant lending practices is essential for success in this role. If you are a motivated individual with a passion for credit management and a desire to contribute to the growth of a dynamic financial institution, we encourage you to apply for the Credit Manager position at B Square in Rajahmundry.,

Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.Customer visits on key customers and high value relationship.Timely Renewal, Deferral Management,EWS Management Required Candidate profile Maintaining the defined credit and end to end TATs to timely service internal as well as external customers. Location : Bilaspur, Ambikapur Chhattisgarh, Age upto 30 can apply

Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.Customer visits on key customers and high value relationship.Timely Renewal, Deferral Management,EWS Management Required Candidate profile Maintaining the defined credit and end to end TATs to timely service internal as well as external customers. Location : Chilakaluripet, Nellore, Dharmavaram. Age upto 30 can apply

POSITION DESCRIPTION JOB TITLE Credit Manager-Semi Formal LAP GRADE SM DEPARTMENT Credit LOCATION BRANCH SUB-DEPARTMENT MSME TYPE OF POSITION Full-time REPORTS TO Area Credit Manager LAP-MSME REPORTING INTO Credit Officer ROLE PURPOSE & OBJECTIVE Expert knowledge of assessing credit risk for large ticket size cases up to Rs. 1 Cr. Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers. Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. Provide Market intelligence from competition and customers stand point Recommendations on new processes & fraud Control initiative etc. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Portfolio size of Rs. 200-300 Cr 10-15 vendors (legal, technical etc.) 1 product (secured) 25-30 files per month KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials (Only Relevant roles) Underwriting target customer by self and supervising the team to support for building of a performing portfolio. Evaluate various collateral types for their value and title documentation requirements Participate in collection of dues from customers to maintain low delinquency. Ensure Credit policy and process adherence by monitoring and timely review of processes and execution. Suggest Policy revisions in line with changing market conditions. Customer (Both Internal & External) Appraise various Customer segments in various for markets defined by the bank as area of operation for lending. Co-ordinate with Legal & Technical Agencies for quality and timely delivery of credit reports. Meet appropriate customers for understanding of their needs and Conduct underwriting and renewals for cases under purview Co-ordinate with functions like operations, FCU, risk, business and technology for effective delivery to end customers. Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies. Internal Process Time to time Intervention to manage ground level risk effectively. Full adherence to RBI regulations on documentation and KYC compliance. LUC and periodic loan monitoring framework Provide Audit Compliance. Timely hiring of Credit Officer for the location as per the budget Innovation & Learning Timely training to branches in the location. Maintain up to date knowledge of MSE and other related products. Upgrade self and team about changes happening in the market. Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives Perform on time appraisal and suggest suitable career paths for staff MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications MBA in Finance from a reputed college (B.Com, M.Com with relevant experience) Experience Preferred experience of 2/3 years or more in Credit MSME Loan products in term loans and working capital limits. Certifications NA Functional Skills Knowledge of Credit in MSME Loans including term loans and overdrafts Knowledge of financial analysis & cash flow determination Evaluate and assess collateral security/collateral documentation adequate for the lending Business Analysis Skills Communication Skills. Behavioral Skills Team Management Skills Leadership Possesses good interpersonal skills KEY INTERACTIONS INTERNAL EXTERNAL Regional Credit Manager, Area Credit Managers, Regional Business Managers, Area Managers, Product Managers, Credit Officers/CPA Vendors & Consultants Vigilance Managers, Legal Managers, Audit Manager, Risk Managers, Collection Manager Customers and Community

Role & responsibilities Credit Manager-Rural Credit-Business Banking Underwriting Function/ Department: Business Banking Underwriting Job Purpose: To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit. Maintain the service level deliverables agreed with counter parts. Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Bankss risk appetite Roles & Responsibilities: Appraisal of proposals: Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities. To convey a clear opinion/ Highlight Critical risk along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk. Awareness of the product proposed suitability to client requirement Conduct personal discussion with customers. Portfolio Monitoring: Timely Renewal Deferral Management EWS Management Customer visits on key customers and high value relationship Maintaining the defined credit and end to end TATs to timely service internal as well as external customers. Secondary Responsibilities: Co-ordination with Counter parts in Business, Operations, Legal, Technical and others as required. Ensure all MIS related to credit are submitted within defined timeliness. Area Knowledge Education Qualification: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate.

Fair Finance is looking for CREDIT MANAGER to join our dynamic team and embark on a rewarding career journey. Credit Analysis : Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity. Risk Assessment : Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms. Credit Policy : Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations. Credit Underwriting : Approving or declining credit applications based on the risk assessment and established criteria. Credit Monitoring : Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults. Debt Recovery : Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts. Customer Relationship Management : Building and maintaining relationships with customers or clients to understand their credit needs and address any credit - related concerns. Credit Reporting : Reporting on credit - related metrics and performance to senior management or relevant stakeholders. Collateral Management : Evaluating and managing collateral provided by borrowers to secure credit facilities.

Roles and Responsibilities Manage a portfolio of Home Loan/LAP/Micro Business Loans, ensuring timely recovery and minimizing defaults. Conduct thorough credit assessments, appraisals, and underwriting for new loan applications. Develop and maintain relationships with existing customers to identify cross-sell opportunities and improve customer satisfaction. Collaborate with internal teams to resolve issues related to loan processing, documentation, and disbursement. Analyze market trends and competitor activity to stay updated on industry developments. Desired Candidate Profile 8-10 years of experience in Portfolio Credit Management (Home Loan/LAP/Micro Business Loan). Strong understanding of credit underwriting principles, policies, and regulations. Excellent communication skills for effective customer interaction and relationship-building. Ability to analyze complex financial data to make informed lending decisions. Interested candidate can directly mail us their Resume on rajeshwari.bamane@aubank.in

Ascend Capital is a young FinTech NBFC founded by IIT Madras and IIM Calcutta alumni, rapidly growing and disrupting the Electric Vehicle (EV) and Fintech domains. Ascend is dedicated to building India's EV ecosystem for a sustainable and greener future. Passionate about technology and innovation, we are focused on developing solutions to cater to over 1 million+ customer visits daily. If you are eager to tackle large-scale challenges in the EV industry and drive real impact, Ascend is the ideal place for you. We are currently looking for an experienced Credit Manager (Retail EV Finance) with a minimum of 3 years of experience in Banking/NBFC(s) preferably within the Vehicles finance segment. As a Credit Manager, you will be responsible for: - Conducting credit checks and appraisals for EV loan applicants. - Assessing credit reports, evaluating risks, and approving deviations. - Managing loan sanctioning and disbursement processes. - Ensuring compliance with company credit policies and regulatory guidelines. In addition, your responsibilities will include: - Performing credit assessments for new dealer code approvals. - Analyzing monthly dealer performance reports from a credit perspective. - Monitoring and adjusting dealer-level loan products and credit limits as necessary. You will also be leading a team of 20 individuals responsible for credit report checks, customer tele PD, field inspection report checks, loan backend operations, and related tasks. Qualifications & Skills Required: - Minimum 3 years of experience in credit underwriting, loan processing, or dealer financing. - Strong knowledge of EV loan products, auto financing, and risk assessment. - Proficiency in financial analysis, credit evaluation tools, and regulatory compliance. - Ability to effectively interact with dealers, OEMs, and internal stakeholders. - Strong analytical, decision-making, and team management skills. This position is based in Jaipur. If you are a detail-oriented Credit Manager with a background in vehicle financing and B2B credit assessment, we welcome you to join our dynamic team at Ascend Capital.,

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPA’s(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

3.6 Area Credit Manager Business Vertical: Housing Line of Business: Credit Department: Credit Line Manager: Regional Credit Manager Designation: Area Credit Manager Grade: M4/M5 On the rolls of: TCHFL Location: No. of Positions: Job Dimensions Responsible for handling team: Yes Roles reporting into this role(Direct/Indirect): Contact or Interaction with: 1) Customers 2) Internal sales teams 3)Channel Partners 4) Builders Travel Required: Yes Position Type: Full time Process Owner: 1) Credit • • Credit Manager Credit Officer Job Purpose To underwrite mortgage business and manage the portfolio in assigned area • Responsibilities Core Responsibilities: o Support and co-partner with business teams to manage end to end credit approval for the designated region o Underwrite salaried SENP/SEP for retail and high value cases and present to senior level o Authorize deviations raised and documented by underwriters in compliance with credit policy. o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests. o Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level. o Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. o 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. o Co-ordinate with the recoveries team and generate business insights. o Lead a team of credit approvers to ensure portfolio quality and delinquencies. o 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 o Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Interdependencies Functional Competencies Competency Beginner Intermediate Advance Expert Retail Credit Strategy & Policy Retail Credit Underwriting Retail Credit Systems and Process Retail Credit Monitoring & Portfolio Management Retail Credit Team and Vendor Management Job Qualifications Graduate : Yes Desired Experience: Minimum 6 to 8 years in the field. Other desired attributes: Masters/Postgraduate: Yes Certifications: CA Others : Back to Index TCHFL JD Booklet FY 2018-19 || 23

Role & responsibilities Evaluating the financial performance of dealers through analysis of dealers performance vis a vis industry performance and financials statement analysis using financial ratios. Preparation of Credit Proposal Note and Credit Recommendation of Inventory Funding limit and Term loans for new dealers as well as existing dealers, Determining the key credit risks and mitigating factors while evaluating the proposal. Conducting Due Diligence Review for appointment of new dealers PAN India. Monitoring of limit by way of Overdue Tracking, Stock Audit monitoring and other related MIS. Preparation and maintenance of Master Database and various MIS. Regular follow up on overdue cases and highlighting concern dealer accounts having low retails, irregularity in repayments etc. Interaction with dealers and sales manager for proposal evaluation. Preferred candidate profile CA fresher in wholesale credit team

Responsibilities- Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc. Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis. Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants. Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc. Benchmark borrowers financial performance across competitors and industry benchmarks. Secondary research to gather additional information about the background of management and the borrower. Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: Keen interest towards tech driven new age/ alternate data-based credit decision process. Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. Critical thinker with strong decision-making ability, excellent written and verbal communication. Demonstrated capabilities towards multiple stakeholder management. Knowledge of drafting curated sanction letters and loan agreements will be an added advantage.

Key Responsibilities: Conduct credit appraisal and underwriting of loan proposals Ensure compliance with internal credit policies and regulatory guidelines Supervise and mentor credit analysts and junior underwriters Coordinate with sales and operations teams for smooth loan processing Monitor portfolio performance and flag early warning signals (EWS) Prepare and present credit proposals to the credit committee Liaise with auditors and regulatory bodies (e.g., RBI) during inspections Maintain high standards of documentation and reporting Role & responsibilities Salary - 5 LPA to 15 LPA Preferred candidate profile

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPAs(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

Role & responsibilities : Credit Assessment & Underwriting: Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine creditworthiness. Perform due diligence, including CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making: Approve loan applications within the designated authority limit and escalate higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management: Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit: Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management: Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies: Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills. Preferred candidate profile MBA with finance Inter CA or CA

Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Ensure adherence of credit policies and RBI guidelines Continuous monitoring of Infant Delinquencies

Credit Manager-SALARIED PL AND WORKING CAPITAL-Credit Job Role :As part of Credit Team for Working Capital Finance Managing team of Credit Managers Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. Visiting customers for personal discussions and deal structuring Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained To evaluate proposals of customers for Home Loans, Loan against Property Decision making within defined TAT Understanding of property related aspects (like legal title and market value of the property) is an added advantage Coordinating with sales, operations, legal, technical and customer service Job Requirements: Qualification- CA with relevant underwriting experience Job Knowledge o Technical underwriting experienceo Analytical skills Skills & Experience o Experience of 2-4 years in relevant working capital products is desired,o Should be able to handle time bound activities effectivelyo Should be an effective team player.o Should have a sense of urgency & keenness to learn.