224 Credit Monitoring Jobs - Page 3

Apac Financial Services PrivateLimited is looking for Branch Credit Manager- LAP, Mortgage 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

Apac Financial Services PrivateLimited is looking for Branch Credit Manager- LAP, Mortgage 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

Apac Financial Services Private Limited is looking for Cluster Credit Manager- LAP, Mortgage 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

10795 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) Location - Mumbai,Delhi / NCR ,Pune,Bangalore,Hyderabad,Chennai

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) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

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) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

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) Location-Mumbai,New Delhi,Pune,Bengaluru,Hyderabad,Chennai

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) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

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

We are seeking a proactive and detail-oriented Lending Specialist to join our team. The ideal candidate will be responsible for communicating with banks and financial institutions to facilitate and secure loan approvals for residential property . This role involves managing the end-to-end lending process, from document preparation to final approval, ensuring a smooth and efficient experience for clients. Key Responsibilities: Engage with banks and lending institutions on behalf of clients to obtain timely approvals for residential loans. Coordinate and follow up with internal teams and external stakeholders to ensure all necessary documentation is submitted and verified. Monitor the status of loan applications and provide regular updates to internal teams. Address and resolve any issues or delays in the approval process through clear communication and effective problem-solving. Maintain accurate records of interactions with banks and clients using CRM or loan processing software. Ensure compliance with lending regulations and internal policies throughout the approval process. Requirements: 3+ years of experience in mortgage processing, or financial services. Strong knowledge of home loan products and lending processes. Excellent communication and negotiation skills to liaise with banks and clients. High attention to detail and ability to manage multiple loan applications simultaneously. Familiarity with mortgage and loan processing systems is an advantage. Bachelors degree in Finance, Business, or related field (preferred but not mandatory). Preferred Skills: Experience working with multiple banks or NBFCs. Understanding of credit assessment and risk evaluation. Ability to work independently and handle pressure in a fast-paced environment.

PaisaBuddy is looking for Zonal Credit Manager / Regional Credit Manager - [Credit & Risk - Wheels] 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

PaisaBuddy is looking for Branch Credit Manager - [Credit & Risk - Wheels] 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

PaisaBuddy is looking for Credit Manager- [Credit - Solar Finance] 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

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, Bengaluru 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: 3 years of credit experience in same product Skills: Good communication and interpersonal skills Key Competencies required: Credit appraisal experience in Micro enterprise loan

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, Bengaluru 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: 3 years of credit experience in same product Skills: Good communication and interpersonal skills Key Competencies required: Credit appraisal experience in Micro enterprise loan

Underwriting experience in Loan, preferably Unsecured Loans. Doing personal discussion with borrower. Preparing CAM (Credit Assessment Memo), ensuring proper and correct information. Checking and appraising proposals, scrutinizing documents including SOA analysis, CIBIL analysis, ensuring proper KYC etc before assigning any application to Lender with proper TAT and quality. Primary assessment & analysis of reasons of non-starter cases. Basic Financial Knowledge of Balance sheet and Profit & Loss A/c.

Interested Candidate can contact Judith Mercy-HR Ph 9209402945 judith.mercy@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

Keyloop bridges the gap between dealers, manufacturers, technology suppliers and car buyers. We empower car dealers and manufacturers to fully embrace digital transformation. How? By creating innovative technology that makes selling cars better for our customers, and buying and owning cars better for theirs. We use cutting-edge technology to link our clients’ systems, departments and sites. We provide an open technology platform that’s shaping the industry for the future. We use data to help clients become more efficient, increase profitability and give more customers an amazing experience. Want to be part of it? Job Role & Responsibility: Experience of working in an admin role or a similar role Good communication and interpersonal abilities Excellent organisational skills Good knowledge of Microsoft tools – word, excel Be able to demonstrate a meticulous attention to detail Ability to work to strict timescales in a fast-paced environment and deadlines and prioritise work. Team player Be self-disciplined, reliable, and capable of working to set time frames Be able to communicate effectively on the phone if required Completing customer care responses within the required timescale Communicating / emailing the various documentation to Customers, internal staff as required Prepare and respond on any copy invoices, statement requests or basic customer queries To maintain good and effective working relationships with the Collections team Be highly self-motivated, able to work independently and within a close-knit team Why join us? We’re on a journey to become market leaders in our space – and with that comes some incredible opportunities. Collaborate and learn from industry experts from all over the globe. Work with game-changing products and services. Get the training and support you need to try new things, adapt to quick changes and explore different paths. Join Keyloop and progress your career, your way. An inclusive environment to thrive We’re committed to fostering an inclusive work environment. One that respects all dimensions of diversity. We promote an inclusive culture within our business, and we celebrate different employees and lifestyles – not just on key days, but every day. Be rewarded for your efforts We believe people should be paid based on their performance so our pay and benefits reflect this and are designed to attract the very best talent. We encourage everyone in our organisation to explore opportunities which enable them to grow their career through investment in their development but equally by working in a culture which fosters support and unbridled collaboration. Keyloop doesn’t require academic qualifications for this position. We select based on experience and potential, not credentials. We are also an equal opportunity employer committed to building a diverse and inclusive workforce. We value diversity and encourage candidates of all backgrounds to apply .

Role & responsibilities 1. Initiate Customer Due Diligence in the system. 2. Customer onboarding by taking customer's and their related parties (like Security Providers, Auth Signatories etc.) KYCs. 3. Co-ordination with internal (Business, Credit, Legal, Risk, Credit and Finance Operation teams) and external stakeholders (Client,Trustee etc.) for getting the documents, closure of CPs(Condition Precedent) and getting disbursement done. 4. Post Disbursement activities like Security Creation, Perfection, Closure of CS(Conditions Subsequent) by following up with the client and trustee. 5. Other MIS activities and reporting etc.

Wholesale Lending Services supports several lines of businesses that include Business Banking, Commercial Bank, Global Wealth Management, and Investment Bank. Located in globally, the Credit Monitoring Center of Excellence, within WLS, is a high-volume production-based operation function responsible for Credit Compliance Monitoring for the Commercial Banking Loan Portfolio. Job summary As a Credit Monitoring Quality Control Analyst for the Commercial Bank, you will be responsible for providing oversight of the Credit Monitoring team s work to ensure the Monitoring Analyst has accurately reviewed and recorded the compliance results in accordance with credit agreement terms of the borrower. In this role, you will review the work of Monitoring Analysts and provide a secondary interpretation of financial and other covenants in order to confirm whether borrowers are meeting the terms of the credit agreements or in default. The credit agreements cover syndicated loans and bilateral agreements. Job Responsibilities Enforcement of the quality control standards that have been set for the process and to service level agreements WLS has with its internal business partners Review the work of Credit Monitoring Analyst to determine if they correctly identified corporate borrowers that have breached covenants, and as a result, have defaulted on the terms of their credit agreements Provide explanations regarding issues identified to ensure proper correction and resolution Interpret credit agreements and other legal documents to determine which co-borrowers, guarantors and other parties to the agreements require set up in bank s system of record for future covenant compliance evaluation, to ensure the Credit Monitoring team has accurately setup the terms of the agreement in the tracking system. Perform credit analysis, review documentation and monitor ongoing compliance with financial covenants to validate the work of others Independently calculate cash flow and leverage ratios in accordance with specific terms laid out in credit agreements as a second check on Credit Monitoring Develop strong knowledge of secured lending products including borrowing base credit facilities Validate the grid-based performance pricing that applies to borrower so the bank gets adequately compensated for credit risk Monitor the control environment and operational environment for changes which may impact quality control testing Partner closely with key stakeholders to enforce effective quality program practices Required qualifications, skills and capabilities Bachelor s degree in Business/Accounting Minimum 2 years of experience in banking and/or doing financial analysis Experience in credit monitoring activities including but not limited to legal documentation review, financial covenants, credit analysis, cash flow and leverage ratio calculations Ability to identify and summarize key points in written reviews of credit-related transactions Understanding of loan products, including documentation, for revolving lines of credit, term loans, borrowing bases, etc. . Strong verbal & written communication to effectively communicate with various stakeholders and across levels Ability to work independently with minimum supervision including demonstration of good time management High proficiency in using MS Office tools including MS Excel Wholesale Lending Services supports several lines of businesses that include Business Banking, Commercial Bank, Global Wealth Management, and Investment Bank. Located in globally, the Credit Monitoring Center of Excellence, within WLS, is a high-volume production-based operation function responsible for Credit Compliance Monitoring for the Commercial Banking Loan Portfolio. Job summary As a Credit Monitoring Quality Control Analyst for the Commercial Bank, you will be responsible for providing oversight of the Credit Monitoring team s work to ensure the Monitoring Analyst has accurately reviewed and recorded the compliance results in accordance with credit agreement terms of the borrower. In this role, you will review the work of Monitoring Analysts and provide a secondary interpretation of financial and other covenants in order to confirm whether borrowers are meeting the terms of the credit agreements or in default. The credit agreements cover syndicated loans and bilateral agreements. Job Responsibilities Enforcement of the quality control standards that have been set for the process and to service level agreements WLS has with its internal business partners Review the work of Credit Monitoring Analyst to determine if they correctly identified corporate borrowers that have breached covenants, and as a result, have defaulted on the terms of their credit agreements Provide explanations regarding issues identified to ensure proper correction and resolution Interpret credit agreements and other legal documents to determine which co-borrowers, guarantors and other parties to the agreements require set up in bank s system of record for future covenant compliance evaluation, to ensure the Credit Monitoring team has accurately setup the terms of the agreement in the tracking system. Perform credit analysis, review documentation and monitor ongoing compliance with financial covenants to validate the work of others Independently calculate cash flow and leverage ratios in accordance with specific terms laid out in credit agreements as a second check on Credit Monitoring Develop strong knowledge of secured lending products including borrowing base credit facilities Validate the grid-based performance pricing that applies to borrower so the bank gets adequately compensated for credit risk Monitor the control environment and operational environment for changes which may impact quality control testing Partner closely with key stakeholders to enforce effective quality program practices Required qualifications, skills and capabilities Bachelor s degree in Business/Accounting Minimum 2 years of experience in banking and/or doing financial analysis Experience in credit monitoring activities including but not limited to legal documentation review, financial covenants, credit analysis, cash flow and leverage ratio calculations Ability to identify and summarize key points in written reviews of credit-related transactions Understanding of loan products, including documentation, for revolving lines of credit, term loans, borrowing bases, etc. . Strong verbal & written communication to effectively communicate with various stakeholders and across levels Ability to work independently with minimum supervision including demonstration of good time management High proficiency in using MS Office tools including MS Excel

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)

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)

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)

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).