68 Credit Manager Jobs

Overall Job Description • Credit appraisal of prospective for SME a clients for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non-fund based exposure like Letter of credit / Bank Guarantee etc. • It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees. • Client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/deals within Banks credit guidelines, Credit Programs and customers requirement. • Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks. • Performing detailed credit and background reference checks on all prospective for SME FI Clients. • Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy. • Joint monitoring of portfolio with account relationship team based on early warning systems. • Preparing Risk/ Rating sheets making recommendations to approving committees. • Approving cases within delegated powers. • Monitoring of portfolio on ongoing basis for early warning signals

We are looking for an experienced credit professional with 10–18 years in rural/retail banking, skilled in credit appraisal, portfolio management, team leadership, and compliance. Maximum Age Limit - 35 For more details Call 8079009780

The Credit Manager in Wholesale Banking is responsible for managing and overseeing the bank's lending process within the wholesale banking segment. Your role involves ensuring sound credit decisions by evaluating clients" creditworthiness thoroughly. You will be tasked with developing credit scoring models, setting loan terms, and collaborating with cross-functional teams to establish and maintain robust credit policies and systems. Your responsibilities will include conducting regular asset quality reviews to provide analytical insights that identify risks and opportunities, and recommending appropriate actions. You will research and evaluate clients" creditworthiness through financial analysis, site visits, and stakeholder discussions. Collaborating with business, legal, compliance, and portfolio analytics teams, you will assess credit requests and make well-informed decisions. As the Credit Manager, you will be responsible for approving or rejecting loan applications based on risk assessment and potential revenue/loss impact. Negotiating loan terms with clients to ensure alignment with bank policies and risk appetite will also be part of your role. Additionally, you will review and update credit policies and risk acceptance criteria to reflect changes in regulatory requirements and business strategy. To qualify for this role, you should have a graduation degree, preferably in Finance, Commerce, or Economics. A post-graduation degree such as an MBA or PGDM in Finance or a related field is preferred. A professional qualification or certification like Chartered Accountant (CA) or equivalent is also preferred. The ideal candidate should have a minimum of 5 to 10 years of relevant experience in credit risk assessment, preferably in wholesale banking.,

- Research and evaluate clients credit worthiness. - Create credit scoring models to predict risks. - Approve or reject loan requests, based on credibility and potential revenues and losses. - Calculate and set interest rates. - Monitor payments. Required Candidate profile - Proven work experience as a Credit Manager, Credit Analyst or similar role. - Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel).

Job Requirements Role/ Job Title: Branch Credit Manager Function/ Department : Micro Finance Loans Job Purpose: The incumbent will be required to manage a team as well as coordinate with sales team to achieve target. You will be in direct contact with the consumers in order to establish their credit worthiness. You also need to ensure completion of credit or know your customer documents and verifications through telephonic, field and collateral visits while complying with the guidelines set forth in the in the company credit policy. The execution of this these tasks must be accomplished in such manner which is both sales supportive and risk averse. Roles & Responsibilities: • The incumbent will be responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies and procedure to honour the agreed service level agreements and manage city or area business volumes. • To conduct personal discussion with customers to establish credit worthiness. • The incumbent will ensure completion of credit or know your customer documents and verification - telephonic, field and collateral visits. • To coordinate with sales to achieve targets and ensure turnaround time or service level agreements are met. • To ensure credit policy adherence to the accepted standards. • To control and contain front-end delinquencies by calling up customer on first presentation. • To manage and supervise a team of credit underwriters and provide guidelines. Education Qualification: Graduation: Any Graduate Experience: 2 to 5 years of experience in credit.

Job Responsibility: Onboarding of new / existing dealers to capital, completion of financial documentation and other credit requirements Coordination with Commercial sales, Retail sales, credit and operations for dealers stock audit management. Continuous follow-up for recovery of accounts covered in portfolio sales and timely corrective actions to address critical issues, if any Bank Guarantee management including BG audit & timely follow-up for renewals Support in establishing Wholesale Credit Processes for aligning it with CNH Capital global practices Coordination with Capital Retail team to increase penetration to enable smooth rotation of dealer outstanding with Capital Keep a regular check on Delinquency Dealer location visit of critical accounts Support in defining Policies and Procedures for India. Experience Required: • Financial background and experience (not less than 5 years of working experience, including not less than 3 years of experience in the Bank / NBFC (i.e. supply chain finance, inventory funding, dealer funding) and/or Credit Control dept. of Industrial Organizations., • Experience of local trade operations, good knowledge of Incoterms. • Good Microsoft Office Skills

HDFC Bank Is hiring for Retail Credit - Credit Manager for Mumbai/ Pune location Job Purpose : 1. To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement. 2. Adherence to the policy/process laid out by the Central team on all application being processed 3. Very close monitoring on Non-starters / EMR trends so as to ensure healthy portfolio. 4. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location. 5. To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives. 6. To manage all risk vendors 7. Credit Deferral Management Both Critical and non Critical 8. PDD management Job Responsibilities : • Credit Delivery Adherence to defined Policy and Processes with minimum defects, and increasing efficiency of underwriting by reducing reworks and increasing FTAR. Follow up with business counterparts and other stake holders for pending cases and FTNR reduction so as to ensure both credit TAT and E2E TAT is met as defined by the management. Using different scoring models /tools as rolled by senior management to differentiate between customer segments while underwriting. Follow up with the business counterparts for housekeeping Parameters such as PDD's / RC pendency / Mutation Checks / Overdue deferrals Credit Visit to understand Non-Starters / EMR for RCA and update senior management. To check data entry quality is intact and error rate is minimal at all Data entry shops. • Credit Quality Ensuring Minimal PAR errors. Ensuring Non-starter and EMR is within Budget.

As an Assistant Credit Manager at our company, you will be responsible for managing the vehicle loan section. The working hours for this position are from 9:30 am to 5:30 pm at our location in Aswini Junction, Thrissur. This is a full-time job opportunity with benefits such as health insurance and provident fund included. You will be working in a day shift schedule and may be eligible for performance bonuses based on your achievements. The work location for this role is in person, requiring your physical presence at the office. If you have experience in credit management and a background in vehicle loans, we encourage you to apply for this position and be a part of our team.,

Role & responsibilities - Have good experience as Area/ Cluster credit manager in Affordable Home loan. Should be CA Intermediate/ appearing. To underwrite, build and maintain a portfolio of HL products as per credit policy. • To manage multiple branches. Manages subordinate staff in day-to-day performance of their jobs. Responsible for overall supervision activities like login, processing, disbursement etc. Vendor management and manage all types of training regarding credit, policy and products. To review applications with credit verifications, financial, technical and legal analysis and sanctioned proposal within given authority limit To underwrite, analysis and recommended proposals to seniors / committee To review and closely monitor all MIS regarding portfolio and reporting to management on daily basis. Monitoring of portfolio every month with respect to delinquency / losses / fraud for the period underwritten Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Ensure collection of PDD diligently and provides for safe deposit of the same.

Responsible for credit Appraisal and processing of Loan Applications. Credit Appraisal: Analyze financial statements, credit reports, and other relevant information to assess the creditworthiness of loan applicants (individuals and/or businesses). Loan Processing: Manage the loan application process from initial submission to disbursement, ensuring all required documentation is complete and accurate. Risk Assessment: Identify and evaluate potential risks associated with loan applications, and recommend appropriate loan terms and conditions. Due Diligence: Conduct thorough due diligence on loan applicants, including verifying information and conducting background checks. Loan Structuring: Structure loan terms and conditions to mitigate risk and maximize profitability. Compliance: Ensure compliance with all applicable regulations and lending policies. Documentation: Prepare and review loan documentation, including loan agreements, promissory notes, and security agreements. Customer Service: Provide excellent customer service to loan applicants, answering questions and providing updates on the status of their applications.

We are seeking a skilled Credit Manager to become a part of our team. The ideal candidate should possess a strong passion for credit and demonstrate the ability to collaborate effectively with various stakeholders. This position will be within the Credit department and will be based in Bangalore on a full-time basis. Your responsibilities will include visiting business premises, properties, and residences of customers during the pre-disbursement process. You will need to have a deep understanding of the actual business income and expenses of customers, beyond their reported income. Furthermore, you should be able to comprehend customer business needs and requirements from their perspective. Your tasks will also involve studying, analyzing, and interpreting legal and technical reports of properties, as well as other internal check reports. You will be responsible for underwriting and sanctioning home loans and loans against property files sourced by the sales team. Additionally, you will need to respond to post-sanction conditions before disbursement based on queries from the team. You will recommend cases to supervisors for necessary decisions based on deviation or approval matrix. Effective coordination and communication with different departments will be essential in this role. You will need to maintain Turnaround Time (TAT) as per guidelines and ensure cases reach a decision point. Adherence to policies and processes set out by the Central team on all loan applications is crucial. Monitoring non-starters and trends in the first EMI bounce will also be a part of your duties, along with maintaining and reporting various Management Information Systems (MIS) to monitor portfolio performance and risk. The ideal candidate should be a graduate with 3-5 years of experience. A strong knowledge of the affordable home segment is required for this role. In return, we offer competitive salary packages and bonuses, along with mediclaim plans for you and your dependents. Additionally, you will have access to educational resources for self-improvement, both technical and non-technical.,

Role & responsibilities The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement for Mortgage products. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Roles & Responsibilities: Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes. Supervise a team of credit underwriters and provide guidelines. Conduct personal discussion with customers to establish credit worthiness. Control and contain front-end delinquencies by calling up customer on first presentation. Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Coordinate with sales to achieve targets and ensure SLAs are met. Ensuring credit policy adherence to the accepted standards. Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing. Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the banks credit policy. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Managerial & Leadership Responsibilities: Monitor key parameters on productivity, hiring quality and attrition rates and make necessary improvements. Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight. Attract and retain best-in-class talent for key roles in their reporting structure. Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business. Partner with Policies team to ensure all decisions are taken within the prescribed framework. Educational Qualifications: Preferred candidate profile Perks and benefits 2 Years

We are hiring Branch Credit Manager profile Job Location: Kheralu, Dehgam, 2 to 3 years of experience in Home Loan / Loan Against Property credit profile Salary budget: up to 5 LPA Salary budget: Any graduate • Requirements: • Graduate/Postgraduate • Strong understanding of secured loan credit process • Experience in mortgage/LAP credit preferred • Knowledge of local market and property documentation • Good communication and decision-making skills Interested candidates can call and WhatsApp at 9722310300 -- Thanks & Regards Parth Lohana HRBP - Gujarat EFL

Role & responsibilities - Have good experience as credit manager in Prime LAP, high Ticket Size - 2 crore & above. Should have completed Chartered Accountant . To underwrite, build and maintain a portfolio of HT LAP Loan products as per credit policy. • To manage multiple branches. Manages subordinate staff in day-to-day performance of their jobs. Responsible for overall supervision activities like login, processing, disbursement etc. Vendor management and manage all types of training regarding credit, policy and products. To review applications with credit verifications, financial, technical and legal analysis and sanctioned proposal within given authority limit To underwrite, analysis and recommended proposals to seniors / committee To review and closely monitor all MIS regarding portfolio and reporting to management on daily basis. Monitoring of portfolio every month with respect to delinquency / losses / fraud for the period underwritten Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Ensure collection of PDD diligently and provides for safe deposit of the same.

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 Healthy Portfolio for the bank. • Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

Greetings from Fedbank Financial Services| Managing a team of Branch credit managers, Credit Executives managers. Conduct personal discussion with customers to establish Credit worthiness. Pre and post sanction credit risk compliance. Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio. Control on portfolio performance. Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM). Coordinate with sales to achieve targets and ensure TAT or SLAs are met Manage the team of Credit. Location - Ramanagara | Bomnahalli (Bangalore) | Wilson Garden (Bangalore) Email - reetikaraj@fedfina.com Thanks

You will be joining Homeville Consulting Private Limited, a financial technology, infrastructure, and lending company dedicated to building credit networks and platforms for the housing finance ecosystem. Homeville focuses on creating critical infrastructure layers for housing-focused credit platforms, enabling retail credit in the housing sector through a multi-platform strategy. The company aims to achieve large operating leverage through a common technology stack and team. One of the key initiatives of Homeville is Bharat Housing Network, which is India's largest affordable housing co-lending platform. This platform provides capital, technology, and infrastructure to affordable housing finance companies and non-banking finance companies. Bharat Housing Network pioneers affordable mortgages using technology and a network approach for last-mile credit delivery. The platform is committed to empowering the regional housing finance ecosystem and promoting financial inclusion. As a Credit Manager at Homeville Consulting Private Limited, you will play a crucial role in the Credit Department based in Pune. Your responsibilities will include visiting business premises, properties, and customer residences during the pre-disbursement stage, understanding customer business income and expenses, analyzing legal and technical property reports, underwriting and sanctioning home loans and loans against property files sourced by the sales team, coordinating with various departments, maintaining TAT guidelines, monitoring portfolio performance, and continuously enhancing underwriting capabilities. To qualify for this position, you should be a graduate with 3-5 years of experience and possess a strong understanding of the affordable home segment. In return, Homeville Consulting Private Limited offers competitive salary packages, bonuses, and mediclaim plans for you and your dependents. If you are passionate about credit and enjoy working collaboratively with stakeholders, we invite you to join our team at Homeville Consulting Private Limited and contribute to shaping the future of the housing finance ecosystem.,

URGENT HIRING !!! For more information call or WhatsApp +91 9289584545 Mail us at: [HIDDEN TEXT] location's : Canada , Australia , New Zealand , UK, Germany , Singapore ( Not In India ) Benefits : Medical Insurances , Travel allowances , Flight Tickets , Meals , etc. Roles & Responsibilities Assess and approve/reject credit applications based on financial risk analysis. Develop and enforce company credit policies and guidelines. Monitor accounts to ensure timely payments and manage overdue collections. Evaluate client credit history and financial statements to determine creditworthiness. Collaborate with sales and finance teams to set credit limits and payment terms. Ensure compliance with legal and regulatory credit standards. Analyze market trends and economic factors affecting credit risk. Manage relationships with banks, financial institutions, and auditors. Prepare reports on credit risk, outstanding accounts, and financial performance. Train and mentor credit analysts and finance team members.

Job Opening Loan Manager (Gold Loan Department) Client: Muthoot Finance Location: Mumbai Job Type: Full-Time Language: English (Mandatory) Department: Gold Loan Department (Mandatory) Bike: Mandatory Budget: As per Market Standards Experience: 3-5 Years (Gold Loan Experience Mandatory) Job Summary Muthoot Finance is seeking an experienced and results-driven Loan Manager to lead our Gold Loan Department in Mumbai. The ideal candidate will be responsible for managing end-to-end lending operations, supervising loan officers, and ensuring the loan portfolio remains compliant, profitable, and low-risk. Key Responsibilities Lead and oversee daily loan department operations, including origination, underwriting, processing, and disbursement. Review and approve loan applications within authority limits; escalate large cases to senior management. Manage the loan portfolio to ensure performance, compliance, and minimal delinquency. Drive lead generation to closure in gold loan business. Collaborate with senior leadership to set growth strategies, lending targets, and product improvements. Ensure compliance with RBI, NBFC, and Banking guidelines along with audit standards. Use data analytics to monitor loan trends, customer behavior, and suggest operational enhancements. Requirements Bachelors or Masters degree in Finance. 3 to 5 years of proven experience in Loan Management (Gold Loan experience is mandatory). Strong knowledge of various loan products (home, personal, SME/business, vehicle, etc.). Proficiency in credit appraisal techniques, risk assessment tools, and underwriting norms. Excellent understanding of lending regulations, compliance, and KYC norms. Hands-on experience with Loan Management Software (LOS, LMS, CRM). Must own a bike for field visits and operational mobility. It is a field sales job role. How to Apply: Interested candidates can share their updated resume at Sonalikumari130197@gmail.com with the subject line "Application Gold Loan Manager (Mumbai)" .

Work Level : Individual Core : Result Driven Leadership : Team Alignment Industry Type : Banking Function : Credit Manager Key Skills : Credit,Credit Manager,Credit Underwriter,Letter oF Credit,Credit Memo,Personal Loan Education : Graduate Note: This is a requirement for one of the Workassist Hiring Partner. Responsibilities: Assess and underwrite personal loan applications as per company policy and credit norms. Analyze applicants' financial data (income documents, bank statements, credit bureau reports, etc.) to determine creditworthiness. Approve/reject loan applications within assigned credit limits. Monitor and evaluate portfolio performance and recommend risk mitigation strategies. Collaborate with sales, operations, and collections teams to ensure effective credit processing and risk control. Design and implement credit risk policy, scorecards, and process improvements. Stay updated on market trends, regulatory guidelines, and competitor practices. Provide training and guidance to junior underwriters or credit analysts. Company Description Workassist is an online recruitment and employment solution platform based in Lucknow, India. We provide relevant profiles to employers and connect job seekers with the best opportunities across various industries. With a network of over 10,000+ recruiters, we help employers recruit talented individuals from sectors such as Banking & Finance, Consulting, Sales & Marketing, HR, IT, Operations, and Legal. We have adapted to the new normal and strive to provide a seamless job search experience for job seekers worldwide. Our goal is to enhance the job seeking experience by leveraging technology and matching job seekers with the right employers. For a seamless job search experience, visit our website: https://bit.ly/3QBfBU2 (Note: There are many more opportunities apart from this on the portal. Depending on the skills, you can apply for them as well). So, if you are ready for a new challenge, a great work environment, and an opportunity to take your career to the next level, don&apost hesitate to apply today. We are waiting for you! Show more Show less

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.