336 Credit Monitoring Jobs

Role & responsibilities Experience Required: Relevant experience in Corporate Banking, Financial Institutions and Commercial Banking 7 to 12 years (Upto 12 years we can consider) Interview Rounds: TR Screening, TR, MR, Written Assessment and CR. Location: Bengaluru, (Initial 6 months for training at Bengaluru is mandatory) Highest Qualifications: MBA and Professional Qualifications such as Chartered Accountant (CA), Chartered Financial Analyst (CFA), Certified Public Accountant (CPA) Applications: Tool developed by Moodys Risk Analysis, FIS Optimist, Credit Lens Spreadsheets of business entities (ratio analysis and financial modelling) Role performed by credit analyst: Review of credit applications & supporting documents (overall financial capacity and capability to pay back) Credit report (recommendation on whether to approve/decline the credit application) Present credit report to internal committee. Requisite of an Individual Contributor: Credit underwriting / Credit risk analysis; Quality Focused and has performed quality and data analytics function. Ability to interpret and highlight risks and early warning signals. Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc. Ability to weigh macro and company factors for risk analysis and recommendations.

The Indian Hotels Company Limited 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 Disclaimer: This job description has been sourced from a public domain and may have been modified by Naukri.com to improve clarity for our users. We encourage job seekers to verify all details directly with the employer via their official channels before applying. Behavioural Competencies Process Excellence Result Orientation Collaborative Engagement Change Championship Growth Mindset Talent Enrichment Guest Centricity

Role & responsibilities Credit Underwriting and Credit Management Preferred candidate profile Should have relevant Credit experience in HL/LAP Please share resume at surbhi.tekriwal@aavas.in

WBO:WBC-WB Service Relationship Manager INTERNAL USAGE No of Vacancies Reports to Is a Team leader Y/N Team Size Grade Manager- DVP Business Corporate Center Department Wholesale Banking Operations Sub - Department - Location About Wholesale Banking Operations Wholesale Banking Operations manages the entire life cycle of the Wholesale Banking customers, it also caters to the various other requirement of non-retail borrowed accounts under Wholesale banking The department is responsible for smooth functioning of all the Commercial Banking Operations units and ensure utmost customer (internal & external) satisfaction They are also responsible for ensuring timely delivery, monitoring the health of the credit portfolio, prompt reporting of irregularities/ adversities noticed and co-ordination in recovery/ legal proceedings About the Role Service Relationship Manager acts as an interface between the bank and the client and is actively involved in Customer service The center of all client engagements will be to ensure efficient credit delivery and superior customer experience The Service RM interacts with the Borrower to obtain pre-requisites for disbursement, ensures timely disbursement and facilitates post disbursement monitoring by liaising with the Borrower Provide Banking solutions and superior service to the Corporate Borrowers (assigned by CBB Head) Accompany Business RM for Pre-sanction visits and also act as an interface for liaising with the corporate borrowers Assign Title Search Report, Valuation Report & ROC Search Report for the corporate borrowers Obtain reports and scrutinize, share requisite details with credit team on pre-designed format Obtain pre-requisites for documentation from CDO team and facilitate vetting of documents with Law Department and ensure obtention of credit opinion report from other lenders Co-ordinate with other lenders and the CDO team for issuance of Pari-Passu/NOCs and follow-up for creation/ perfection of security Co-ordinate with the Borrower, Business & Credit Delivery Official and facilitate execution of documents, compliance of pre-disbursement covenants, facilitate disbursement and obtain credit approvals for Trade Finance Transactions--- ---- Coordinate with the Borrower, Business & Credit Monitoring Official to facilitate the compliance of post-disbursement covenants, recovery of interest and instalments and to ensure better monitoring of the Credit portfolio Coordinate with the Borrower to execute the following activities: - Conduct unit/collateral inspection at stipulated intervals & preparation of reports - Obtention of Stock Statements/FFRs/Insurance Policies/Due Diligence/ABS from the customer & provides to CMO for analysis/ monitoring/ placement of notes - Creation/ Perfection of Securities Ensure that the TxB Fee Income Budget and SME Topline budget are achieved Ensure adherence to SLA and maintenance of TAT Liaison with the Customer to increase the utilization levels and hence increase Banks portfolio base Attend Internal/External Audit and ensure all audit related deliverables are met- Qualifications Post- Graduation from a recognized institute 6-7 years in a relevant role ----- Role Proficiencies Knowledge of banking products and services Ability to manage complex client situations Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills

WBO:WBC-WB Service Relationship Manager INTERNAL USAGE No of Vacancies Reports to Is a Team leader Y/N Team Size Grade Manager- DVP Business Corporate Center Department Wholesale Banking Operations Sub - Department - Location About Wholesale Banking Operations Wholesale Banking Operations manages the entire life cycle of the Wholesale Banking customers, it also caters to the various other requirement of non-retail borrowed accounts under Wholesale banking The department is responsible for smooth functioning of all the Commercial Banking Operations units and ensure utmost customer (internal & external) satisfaction They are also responsible for ensuring timely delivery, monitoring the health of the credit portfolio, prompt reporting of irregularities/ adversities noticed and co-ordination in recovery/ legal proceedings About the Role Service Relationship Manager acts as an interface between the bank and the client and is actively involved in Customer service The center of all client engagements will be to ensure efficient credit delivery and superior customer experience The Service RM interacts with the Borrower to obtain pre-requisites for disbursement, ensures timely disbursement and facilitates post disbursement monitoring by liaising with the Borrower Provide Banking solutions and superior service to the Corporate Borrowers (assigned by CBB Head) Accompany Business RM for Pre-sanction visits and also act as an interface for liaising with the corporate borrowers Assign Title Search Report, Valuation Report & ROC Search Report for the corporate borrowers Obtain reports and scrutinize, share requisite details with credit team on pre-designed format Obtain pre-requisites for documentation from CDO team and facilitate vetting of documents with Law Department and ensure obtention of credit opinion report from other lenders Co-ordinate with other lenders and the CDO team for issuance of Pari-Passu/NOCs and follow-up for creation/ perfection of security Co-ordinate with the Borrower, Business & Credit Delivery Official and facilitate execution of documents, compliance of pre-disbursement covenants, facilitate disbursement and obtain credit approvals for Trade Finance Transactions--- ---- Coordinate with the Borrower, Business & Credit Monitoring Official to facilitate the compliance of post-disbursement covenants, recovery of interest and instalments and to ensure better monitoring of the Credit portfolio Coordinate with the Borrower to execute the following activities: - Conduct unit/collateral inspection at stipulated intervals & preparation of reports - Obtention of Stock Statements/FFRs/Insurance Policies/Due Diligence/ABS from the customer & provides to CMO for analysis/ monitoring/ placement of notes - Creation/ Perfection of Securities Ensure that the TxB Fee Income Budget and SME Topline budget are achieved Ensure adherence to SLA and maintenance of TAT Liaison with the Customer to increase the utilization levels and hence increase Banks portfolio base Attend Internal/External Audit and ensure all audit related deliverables are met- Qualifications Post- Graduation from a recognized institute 6-7 years in a relevant role ----- Role Proficiencies Knowledge of banking products and services Ability to manage complex client situations Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills

Responsibilities: Evaluate loan applications, assess borrower creditworthiness, analyze financial statements, credit scores, and repayment capacity, and approve or reject credit proposals. Monitor credit risks, track repayments Ensure documentation

About The Role Experience in credit/ operations in retail MFI loans/ unsecured loans. Prepare and present reports on credit-related activities to upper management. Good with excel and added advantage if good at MIS related application Oversee and guide the credit control team, providing training and support as needed. Capable of handling team of 8-10 credit officers independently. Team Handling and co-ordination Retails Ops candidate okay to evaluate Credit appraisal Implement and maintain the company"™s credit policies and procedures to minimize bad debt losses and optimize sales. Ensuring all credit operations comply with relevant laws and regulations.

About The Role Role Name Department Commercial Banking - Credit Monitoring & Strategy Location Mumbai Number of Positions 1 Reporting Relationships Vice President Position Grade Senior Manager Position Purpose : With the Bank"™s growing asset portfolio, there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions, on both threats and opportunities for growth, including specific references to individual borrowers and at group level; event-based impact analyses, tight monitoring of portfolio quality, timely identification of accounts that require closer monitoring, ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points. Portfolio Monitorin- Identify, manage and minimize shocks / stresses in the Credit Portfolio. Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities, involving the following ; Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports. Drill down to Industry / Sector performance. Correlate with Bank"™s portfolio on these major Industries / Sectors segments with direction on outlook. Maintaining subscription services, wherever necessary Preparation and monitoring of monthly EWS (Early Warning System) reports. Identify accounts under relevant categories, which need to be included under the EWS reporting, based on the overdue and churning and other such reports and other set identified parameters. Co-ordinate with Zonal / Regional, Business and Credit teams to analyze and update the latest information with relevance of such accounts. Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking). Note the directions / actionable made with regard to specific accounts, if any, and update the same to the concerned. Identify, analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted. Chartered Accountant Past experience of 3 to 5 years Strong analytical skills - ability to carry out economic analysis, build quantitative and financial models to project future performance thus requiring fluency in MS Office, Advanced MS Excel (Macros, V-lookup, Pivot)\ and MS Powerpoint Knowledge of Bank"™s internal data systems Finnacle, CORE, etc. Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to priyanka.lunawat@kotak.com Please mention the following in the subject line as "˜"Position Name" "Your Name" "Your Current Business Group"

Department Regulatory ReportingLocation MumbaiNumber of Positions 1Reporting Relationship Team Leader - Regulatory ReportingPosition Grade M3 / M4 Job Role: PAN Bank Exposure report and CRILC return :- Preparing the PAN Bank Exposure Report. Co-oridnating with various department of the bank to get the data / information for PAN Bank exposure data and other returns.Analysis of trend and reconciliation of Pan Bank exposure report with source data. Compiling, checking and filing the monthly CRILC return Highlighting major risks if any arising from the existing process or reporting and taking corrective action. Other monthly / quarterly returns/ exposure reportPreparing the Gift City Exposure Report on monthly basis. Working on WBG data points for Capital Market Exposure (CME) and Commercial Real Estate (CRE) on monthly basis. Compiling, checking and filing the Return of Large Exposure (RLE), Return on Large Corporate (RLC) & Return on Connected Exposure ( RCE) every quarter.Working on Return on Asset quality (RAQ) & SIBC Industry data point on quarterly basis. Working on Credit data points of risk based supervision (RBS) document to RBI on quarterly basisAnalyzing the trends in Key risk indicators for the Bank based on above return filing. Working on Board Note, compliance note and Substantial exposure reporting quarterly as per internal guideline. Providing exposure related data to auditors, compliance, legal, inter department, regulator, etc and resolving audit queries. Automation project : Drafting BRD and conducting UAT w.r.t automation project. Implementing automation project of the bank, drafting process note and monitoring the data flow. Qualification/ Experience/ Skill Requirement: Bachelor's/Masters degree in Finance, Accounting, Business Administration, or related field.At least 3-4 years of experience and well-versed with computers/ excel. Knowledge of Credit Appraisal, Credit Monitoring or regulatory requirements.Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. Written and verbal communication skill with the ability to present information clearly and concisely.

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs 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 Continuous monitoring of Infant Delinquencies.

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs 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 Continuous monitoring of Infant Delinquencies.

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT / Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies / Infants Job Requirements : CA Inter / CA / MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)

(ADVERTISEMENT NO: CRPD/SCO/2025-26/11) ONLINE REGISTRATION OF APPLICATION & PAYMENT OF FEES: FROM 11.09.2025 TO 02.10.2025 State Bank of India invites Online application from eligible Indian citizen for appointment to the following Specialist Cadre Officers posts on regular basis. Candidates are requested to apply Online through the link given on Banks website https://bank.sbi/web/careers/current-openings 1. The process of Registration is complete only when fee is deposited with the Bank through Online mode on or before the last date for payment of fee. 2. Before applying, candidates are requested to ensure that they fulfil the eligibility criteria for the post as on the date of eligibility. 3. Candidates are required to upload all required documents (resume, ID proof, age proof, caste certificate, EWS Certificate, PWBD Certificate (if applicable), educational qualification, experience etc.) failing which their application/candidature will not be considered for shortlisting/ interview. 4. Short listing will be provisional without verification of documents. Candidature will be subject to verification of all details/ documents with the original when a candidate reports for interview (if called). 5. In case a candidate is called for interview and is found not satisfying the eligibility criteria (Age, Educational Qualification and Experience etc.) he/ she will neither be allowed to appear for the interview nor be entitled for reimbursement of any travelling expenses. 6. Candidates are advised to check Bank’s website https://bank.sbi/web/careers/current-openings regularly for details and updates (including the list of shortlisted/ selected candidates). The Call (letter/ advice), where required, will be sent by e-mail only (no hard copy will be sent). 7. ALL REVISIONS/ CORRIGENDUM (IF ANY) WILL BE HOSTED ON THE BANK’S WEBSITE ONLY. 8. In case more than one candidate scores same marks as cut-off marks in the final merit list (common marks at cut-off point), such candidates will be ranked in the merit according to their age in descending order. 9. Hard copy of application & other documents not to be sent to this office. 10. TRAINING & TEACHING EXPERIENCE WILL NOT BE COUNTED FOR ELIGIBILITY IN THE EXPERIENCE CRITERIA. Grade - Scale: Middle Management Grade -Scale III No of Vacancies: 63 Age as on 31/08/2025 (Years): 25-35 Selection Procedure: Shortlisting and Interview DETAILS OF THE REQUIREMENTS OF EDUCATIONAL QUALIFICATIONS/POST-QUALIFICATION EXPERIENCES/SPECIFIC SKILLS ETC. Basic Educational Qualification (As on 31/08/2025): Graduate (any discipline) from Government recognized University or Institution AND MBA (Finance) / PGDBA / PGDBM / MMS (Finance) / CA / CFA / ICWA Post-Qualification Experience (As on 31/08/2025): Post Qualification Experience [after successful completion of MBA (Finance)/PGDBA/PGDBM/MMS (Finance)/CA/CFA/ICWA] of Minimum 3 years in Corporate Credit/High value credit as an executive in Supervisory / Management role in a Scheduled Commercial Bank / Associate or Subsidiary of a Scheduled Commercial Bank / in a Public sector or listed financial institution /Company. DECLARATION/UNDERTAKING-1 regarding the post basic qualification experience has to be submitted along with application during online registration.) Post Qualification experience in corporate credit/High value credit is a must. Experience should be in appraisal / assessment of Credit proposals of medium/large Corporates Specific Skills required Analysis of Balance Sheet / Appraisal / Assessment of Credit Proposal, Credit monitoring etc. JOB PROFILE & KEY RESPONSIBILITY AREAS: JOB PROFILE: Carrying out of Due Diligence on Credit Proposals assigned. Timely completion of reviews/renewals as Appraiser, including credit risk assessment proposals. Securing maximum marks for the AMT (Asset Management Team) in credit audit in pre sanction. Assisting Relationship Manager in achieving Budgeted growth in advances for the AMT (Asset Management Team). Adhering to Turn-Around-Time (TAT) for processing New/Existing proposals. Ensuring ABS considered for the proposals are the same as filed with ROCs. Ensuring achievement of satisfactory RAROC (Risk Adjusted Return on Capital) for each unit in the AMT. (Asset Management Team) RESPONSIBILITIES : ROLES: Responsible for following : Analysis & appraisal of credit proposal including ad hoc facilities / restructuring / rehabilitation proposals / any other type of business or general proposals pertaining to the unit. Ensuring quick and timely appraisal of credit. A) PRE-SANCTION STAGE Ensuring compliance of KYC norms. Updation of periodical due diligence reports as per RBI guidelines. Obtaining data/information from customers for assessment and processing of the proposals. Interacting with Key Officials in the borrowing units for obtaining data/statement etc. Obtain and verify the legal search reports / valuation reports of properties offered as Primary/Collateral securities. ROC search at each sanction of the limits to the Unit. Arranging for compilation / updation of opinion reports and CIRs. Undertaking pre-sanction visits. Appraising of credit proposals and CRA. Arranging for D&B / Credit reports and their scrutiny, wherever required. Obtaining external credit rating of the customers. Providing support to the Relationship Manager for making presentation of credit proposals to the sanctioning authority. Credit related notes like RMD deviations / any other deviations, concession etc. or non-business proposals to competent authorities. B) POST-SANCTION STAGE Preparation of arrangement letter and ensuring that all the Terms & Conditions of sanction have been incorporated therein. Attending consortium meetings with the Relationship Manager, wherever necessary. Analysis of FFR and other Financial Statements putting it up to Relationship Managers and taking-up issues / observations recorded with the company. Rectifying irregularities pertaining to pre-sanction pointed out in various Credit Audit reports. Attending to the credit related correspondence with internal and external agencies. Periodical review of TLs sanctioned on standalone basis. Periodical inspections as per the instructions of Relationship Manager. C) MISCELLANEOUS Tracking and monitoring important developments in the industries / activities in which borrowers operate / have interest. Creation, maintenance and updation of account profile as per format devised by the Relationship Manager / Branch Head / Bank. Monthly updation of pricing / concessions to be prepared for verification / checking by Relationship Manager (and for submission to concurrent auditor). Credit Analyst who is a Regular Bank officer will perform the role of Service Officer in his absence. Preparation of outstanding issues / non-compliances with terms of sanction in pre-sanction areas for each company and its updation on resolution of the issues involved. Assisting relationship Manager in preparation of Annual Account Plan. Any other job/task relating to dispensation or administration of credit or any other specific task of any nature arising out of business or administrative exigencies or even otherwise under instruction of Chief Manager / Manager (Credit) / Relationship Manager / Branch Head. The activities mentioned above are illustrative only and Credit Analyst is primarily responsible for all activities as directed by Relationship Manager / Branch Head from time to time. Key Responsibility Areas (KRAs): Number of new clients onboarded through account opening. Year-on-Year (YoY) growth in CASA deposits (daily average balance). Transaction Banking – Number of corporates onboarded for any new project. Activation of transaction banking products. Other income / Forex renumeration / LC income / BG Income. Supply Chain Finance – number of Corporates onboarded. Supply Chain Finance – utilization of limit sanctioned (%). Corporate salary packages – Number of companies > 50 new accounts opened. Number of proposals put up for sanction – turnaround time – success rate in getting sanctions. Quality of credit appraisal and risk analysis. Quality of Credit portfolio. Achievement of targets relating to review/renewal of limits of units. Observations of various audit report and compliance thereof. GRADE, PROBATION PERIOD & RENUMERATION: GRADE: Middle Management Grade Scale – III PROBATION PERIOD: 6 months PAY SCALE: Rs (85920-2680/5-99320-2980/2-105280) REMARKS: The official will be eligible for DA, HRA, CCA, Provident Fund, Contributory Pension Fund i.e. NPS, Leave Fare Concession (LFC), Medical Facility, other perquisites etc. as per rules in force from time to time. SELECTION PROCESS : The selection will be on the basis of Shortlisting and Interview. Shortlisting : Mere fulfilling the minimum qualification and experience will not vest any right to candidate for being called for interview. The shortlisting committee constituted by the Bank will decide the shortlisting parameters and thereafter, adequate number of candidates, as decided by the bank, will be shortlisted for interview. The decision of the Bank to call the candidates for the interview shall be final. No correspondence will be entertained in this regard. Interview: Interview will carry 100 marks. The qualifying marks in interview will be decided by the Bank. No correspondence will be entertained in this regard. Merit List: Merit list for selection will be prepared in descending order on the basis of scores obtained in interview only. In case more than one candidate score the cut-off marks (common marks at cut-off point), such candidates will be ranked according to their age in descending order, in the merit. HOW TO APPLY: Candidates should have valid email ID/Mobile phone number which should be kept active till the declaration of result. It will help him/her in getting call letter/Interview advises etc. by email or over mobile by SMS. GUIDELINES FOR FILLING ONLINE APPLICATION: i. Candidates will be required to register themselves online through the link available on SBI website https://bank.sbi/web/careers/current-openings and pay the application fee using Internet Banking/ Debit Card/ Credit Card etc. ii. Candidates should first scan their latest photograph and signature. Online application will not be registered unless candidate uploads his/ her photo and signature as specified on the online registration page (under ‘How to Upload Document”). iii. Candidates should fill the application carefully. Once application is filled-in completely, candidate should submit the same. In the event of candidate not being able to fill the application in one go, he can save the information already entered. When the information/application is saved, a provisional registration number and password is generated by the system and displayed on the screen. Candidate should note down the registration number and password. They can re-open the saved application using registration number and password and edit the particulars, if needed. This facility of editing the saved information will be available for three times only. Once the application is filled completely, candidate should submit the same and proceed for online payment of fee. iv After registering online, the candidates are advised to take a printout of the system generated online application forms.

Role : Credit Manager for Business Loans Responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies. They analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution. Key Responsibilities: Credit Assessment: Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness. Risk Analysis: Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms. Loan Approval: Approving or rejecting loan applications based on creditworthiness and adherence to company policies. Credit Limit Determination: Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile. Interest Rate Determination: Determining interest rates for loans based on factors like credit risk, market conditions, and company policies. Loan Documentation: Ensuring the accuracy and completeness of all loan documentation, including loan agreements, security documents, and other relevant paperwork. Credit Monitoring: Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks. Relationship Management: Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals. Reporting: Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

Role & responsibilities : Review the Customer's Profile for Loan credit Worthiness. Visit in person for Verification. Analyze the credit worthiness and past track records of loans and repayments CIBIL Verification Maintain a detailed track report of clients Loan processing Attention to detail Preferred candidate profile 3-5 Yrs in Affordable housing segment HL/ LAP/ Mortgage Background (must) Ticket size of upto 1 Cr handling experience NBFC background only

Requisition id:1642414 As a global leader in assurance, tax, transaction and advisory services, we hire and develop the most passionate people in their field to help build a better working world. This starts with a culture that believes in giving you the training, opportunities and creative freedom. At EY, we don't just focus on who you are now, but who you can become. We believe that it's your career and It's yours to build which means potential here is limitless and we'll provide you with motivating and fulfilling experiences throughout your career to help you on the path to becoming your best professional self. The opportunity : Senior Project Manager-GPS-SaT-SaT - TCF - Infrastructure Advisory - Bhubaneshwar SaT : The Government and public sector transactions services is part of EY's Government & Public Sector (GPS) Services which is a network of highly skilled professionals from assurance, tax, transaction and advisory services, devoted to serving the government and public sector organizations and institutions. The practice combines private sector leading practice with an understanding of the public sector's diverse needs, focused on delivering improved public services. Government and public sector transactions services, sits under EY's Transaction Advisory Services practice, a market-leading, multi-disciplinary team, working with leading businesses across a range of industries. This practice is in a unique position to deliver implementable strategies given the firm's sector depth, transaction perspectives, and operational insights. The practice provides experience working with various sectors such as, Transport, Social & Health care, Education, Urban & Infrastructure, Economic Development Advisory , Water waste & Sanitation, Power & Utilities and Public Finance & Management. SaT - TCF - Infrastructure Advisory : Strategy and Transactions enables clients to reimagine ecosystems, reshape portfolios and reinvent for a better future. Using our Capital Agenda framework, we work with clients to find answers to today's toughest strategic, financial, operational and commercial questions. We help corporates, private equity, governments, sovereign wealth funds, private and family businesses, and educational institutions with their key financial issues. From portfolio review and capital allocation processes to financial planning analytics and decision support, we have the people, analytics and tools to better allocate capital. Our team helps clients manage their risk/return trade-offs to support them with better decision-making around financing and capital efficiency. Whether clients are preserving, optimizing, raising or investing, our Connected Capital Solutions (CCS) are our five go-to-market offerings that help drive competitive advantage and increased returns through improved decision-making. The CCS include Strategy, Corporate Finance, Buy and Integrate, Sell and Separate and Reshaping Results, and are underpinned by our Connected Capital Technologies. Our key focus areas are - Investment Banking Advisory, Valuations, Modeling and Economics, Transaction Diligence, Restructuring and Turnaround Services, Project Finance and infrastructure, EY Parthenon - Strategy and EY Parthenon - Execution. Your key responsibilities Technical Excellence . Building relationships with key corporate groups, lenders and financial sponsors, ARC's, legal advisors and other participants in the stressed assets space . Analyzing the financial and operational positioning of stressed corporates to proactively generate leads for opportunities . Building a healthy pipeline of opportunities and mandates in the specific areas related to, Insolvency and Bankruptcy Code, debt restructuring across various sectors especially those witnessing high levels of stressed assets (infrastructure, metals, real estate, telecom, highways etc.) . Coordinating pitch presentations to obtain new mandates from lenders and investors . Lead execution of transactions including day to day management and Project management and monitoring a team of [Managers] and Associates . Business Modeling and Plan Development and an ability to analyze and envisage new / key sector trends . Financial Modeling and Analysis - developing materials including Information, Memorandum, financial model, presentations, resolution plans including preparation of rectification/restructuring/SDR package-based business plans. . Coordinating and managing due diligence process in a transaction . Work with legal advisor for finalization of transaction documentation including term sheets (non-binding / binding) and definitive transaction agreements . Keep abreast of new developments in the profession, the business, the industry and the regulatory environment, including Insolvency regulation and developments in the restructuring space . Credit monitoring of clients, review of operational and financial performance, cash flows, etc. to proactively suggest strategic options including JV / partnerships, acquisitions or divestitures . Synergizing with lenders, restructuring agencies, auditors, LIEs, valuation agencies . Coordinating and managing the financial, tax, commercial and operational due diligence process in a transaction . Provide inputs for group business plan and future direction of the practice . Evaluate economic and legal risks to the Firm arising out of engagements, consult and adopt suitable risk management practices . Keep abreast of new developments in the profession, the business, the industry and the regulatory environment Skills and attributes To qualify for the role you must have Qualification MBA from a premier institute (Tier-I Indian B-school) with experience in transaction advisory, commercial due diligence, and strategy verticals will be preferred Experience . 10+ years of relevant post-qualification experience . Preferred - Investment Banks, M&A teams of large Banks, NBFCs or Insurance companies and have successfully closed deals, Private Equity / Venture Capital firms What we look for People with the ability to work in a collaborative manner to provide services across multiple client departments while following the commercial and legal requirements. You will need a practical approach to solving issues and complex problems with the ability to deliver insightful and practical solutions. We look for people who are agile, curious, mindful and able to sustain postivie energy, while being adaptable and creative in their approach. What we offer With more than 200,000 clients, 300,000 people globally and 33,000 people in India, EY has become the strongest brand and the most attractive employer in our field, with market-leading growth over compete. Our people work side-by-side with market-leading entrepreneurs, game- changers, disruptors and visionaries. As an organisation, we are investing more time, technology and money, than ever before in skills and learning for our people. At EY, you will have a personalized Career Journey and also the chance to tap into the resources of our career frameworks to better know about your roles, skills and opportunities. EY is equally committed to being an inclusive employer and we strive to achieve the right balance for our people - enabling us to deliver excellent client service whilst allowing our people to build their career as well as focus on their wellbeing. If you can confidently demonstrate that you meet the criteria above, please contact us as soon as possible. Join us in building a better working world. Apply now.

About The Role Experience in credit/ operations in retail MFI loans/ unsecured loans. Prepare and present reports on credit-related activities to upper management. Good with excel and added advantage if good at MIS related application Oversee and guide the credit control team, providing training and support as needed. Capable of handling team of 8-10 credit officers independently. Team Handling and co-ordination Retails Ops candidate okay to evaluate Credit appraisal Implement and maintain the company"™s credit policies and procedures to minimize bad debt losses and optimize sales. Ensuring all credit operations comply with relevant laws and regulations.

About The Role Role Name Department Commercial Banking - Credit Monitoring & Strategy Location Mumbai Number of Positions 1 Reporting Relationships Vice President Position Grade Senior Manager Position Purpose : With the Bank"™s growing asset portfolio, there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions, on both threats and opportunities for growth, including specific references to individual borrowers and at group level; event-based impact analyses, tight monitoring of portfolio quality, timely identification of accounts that require closer monitoring, ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points. Portfolio Monitorin- Identify, manage and minimize shocks / stresses in the Credit Portfolio. Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities, involving the following ; Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports. Drill down to Industry / Sector performance. Correlate with Bank"™s portfolio on these major Industries / Sectors segments with direction on outlook. Maintaining subscription services, wherever necessary Preparation and monitoring of monthly EWS (Early Warning System) reports. Identify accounts under relevant categories, which need to be included under the EWS reporting, based on the overdue and churning and other such reports and other set identified parameters. Co-ordinate with Zonal / Regional, Business and Credit teams to analyze and update the latest information with relevance of such accounts. Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking). Note the directions / actionable made with regard to specific accounts, if any, and update the same to the concerned. Identify, analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted. Chartered Accountant Past experience of 3 to 5 years Strong analytical skills - ability to carry out economic analysis, build quantitative and financial models to project future performance thus requiring fluency in MS Office, Advanced MS Excel (Macros, V-lookup, Pivot)\ and MS Powerpoint Knowledge of Bank"™s internal data systems Finnacle, CORE, etc. Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to priyanka.lunawat@kotak.com Please mention the following in the subject line as "˜"Position Name" "Your Name" "Your Current Business Group"

Department Regulatory ReportingLocation MumbaiNumber of Positions 1Reporting Relationship Team Leader - Regulatory ReportingPosition Grade M3 / M4 Job Role: PAN Bank Exposure report and CRILC return :- Preparing the PAN Bank Exposure Report. Co-oridnating with various department of the bank to get the data / information for PAN Bank exposure data and other returns.Analysis of trend and reconciliation of Pan Bank exposure report with source data. Compiling, checking and filing the monthly CRILC return Highlighting major risks if any arising from the existing process or reporting and taking corrective action. Other monthly / quarterly returns/ exposure reportPreparing the Gift City Exposure Report on monthly basis. Working on WBG data points for Capital Market Exposure (CME) and Commercial Real Estate (CRE) on monthly basis. Compiling, checking and filing the Return of Large Exposure (RLE), Return on Large Corporate (RLC) & Return on Connected Exposure ( RCE) every quarter.Working on Return on Asset quality (RAQ) & SIBC Industry data point on quarterly basis. Working on Credit data points of risk based supervision (RBS) document to RBI on quarterly basisAnalyzing the trends in Key risk indicators for the Bank based on above return filing. Working on Board Note, compliance note and Substantial exposure reporting quarterly as per internal guideline. Providing exposure related data to auditors, compliance, legal, inter department, regulator, etc and resolving audit queries. Automation project : Drafting BRD and conducting UAT w.r.t automation project. Implementing automation project of the bank, drafting process note and monitoring the data flow. Qualification/ Experience/ Skill Requirement: Bachelor's/Masters degree in Finance, Accounting, Business Administration, or related field.At least 3-4 years of experience and well-versed with computers/ excel. Knowledge of Credit Appraisal, Credit Monitoring or regulatory requirements.Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. Written and verbal communication skill with the ability to present information clearly and concisely.

About The Role About The Role Credit Portfolio Oversight: Assume responsibility for the continuous monitoring and management of Midcorporate Division's diverse credit portfolio. Implement a systematic approach to assess the overall health and performance of individual exposures within the portfolio. Undertake in-depth and ongoing analyses of business performance, meticulously comparing actual outcomes against initial projections. Engage with business/client teams to address discrepancies, formulate corrective action plans, and enhance overall performance. Stakeholder Engagement: Establish and maintain robust channels of communication with clients and strategic partners. Serve as a bridge between the credit team and client teams to facilitate the seamless flow of information, promptly address concerns, and foster collaboration. Reporting and Analysis: Generate regular and comprehensive reports that provide a detailed view of portfolio performance, risk profiles, and emerging trends. Offer incisive and data-driven insights to senior management, enabling informed decision-making based on the analysis of portfolio data. Uphold rigorous standards of record management to support transparency, accountability, and audit readiness. Maintain a vigilant eye for opportunities to enhance the efficiency and effectiveness of credit monitoring processes. Actively participate in the development and implementation of industry-leading best practices for credit monitoring within the organization. Cross-Functional Collaboration: Foster collaborative relationships with various internal functions, including Risk, Legal, and Operations, to holistically address portfolio-related challenges and opportunities. Promote synergy among different departments to maximize the overall effectiveness of credit monitoring efforts. Risk Management: Proactively identify, evaluate, and categorize risks associated with the credit portfolio, encompassing financial, operational, and market-related dimensions. Collaborate closely with the credit team to devise and implement comprehensive risk mitigation strategies tailored to specific industries. Maintain rigorous adherence to the Credit Monitoring Policy and its associated procedures, ensuring that monitoring protocols remain aligned with the policy's stipulations. Take a proactive role in refining and evolving monitoring procedures to adapt to changing industry dynamics. Qualifications & Experience Minimum DegreeCA / MBA Minimum Years/type ofexperience8-10 Years of experience

About The Role 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)

Form ID: AR/CHR/22-23/0001.2 JOB DESCRIPTION 1. JOB DETAILS Position title:Credit Officer Department:Credit Department Reports to:Central Credit Manager (CCM) Location:Kolkata Band / GradeSr. Executive/Asst. Manager 2. JOB SUMMARY Credit officer is responsible for the timely appraisal and verification of MEL/Bazaar loan. Fill all the form & formats with due quality checks, complete eligibility analysis. Conduct Tele PD/Video PD as per our policy. Check Credit Bureau reports and loan repayment ability for the customer (Borrower & Co-Borrower). Check bank statement and business proof along with validation of it. Business evaluation/Cash Flow analysis/Check Customers' Market feedback/Credentials. Loan recommendation based on income assessment/cash flow In addition to the above, the employee may also be called upon to perform other tasks as may be required from time to time. 3 . JOB PROFILE5. Description Credit Processing Quality Check as per Credit Check list Credit Bureau Checks & check Repayment capacity Cash flow analysis and preparation of income assessment based on bank statement/ purchase bill/GST bill/supporting documents. Verification of business proof and vintage. Reference check of customer regarding business Conducting Tele PD/Video PD Recommendation based on income assessment Training Provide training to branch staff and inductees Portfolio management Ensures high quality portfolio by taking preventive and curative measures Helps branches in tackling over dues Keep track of product delinquency Take steps to reduce delinquency levels Reporting and MIS entry Timely MIS reporting Review records and registers pertaining to Bazaar HTS loan maintained at the branch 4 . PERFORMANCE INDICATORS Business performance (Adherence to turn around time etc.) Portfolio quality Internal control findings Feedback from reporting officer Feedback from colleagues and other department 5. QUALIFICATION, EXPERIENCE, SKILLS Minimum Qualifications: Graduate (Preferred B.com) Minimum Experience: 5 years of credit experience in same product Skills: Good communication and interpersonal skills Key Competencies required: Credit appraisal experience in Micro enterprise loan

Anand Rathi share and stock brokers limited 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 credit processing, underwriting, and monitoring for personal loans and unsecured loans across multiple channels (branches & digital). Oversee a team responsible for credit assessment, appraisal, approval, and disbursement of loans. Develop and implement effective strategies to minimize defaults and recover bad debts. Collaborate with cross-functional teams to drive business growth while ensuring compliance with regulatory requirements. Analyze market trends, competitor activity, and customer behavior to inform lending decisions.

Interested Candidate can share CV vaibhav.macwan@efl.co.in Role & responsibilities Financial Analysis: Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants. Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications. Credit Risk Assessment: Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors. Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements. Loan Structuring: Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company. Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability. Documentation and Compliance: Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines. Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information. Communication and Decision Making: Present credit proposals and recommendations to senior management and credit committees for approval. Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications. Preferred candidate profile Candidate with min 5 years of experience as credit underwriter of BL/WC/Machine loans with ticket sizes up to 5 Cr. Perks and benefits Best as per industry standards