Credit Officer - Digital Personal Loan

Job Description

Responsibilities: Evaluate loan applications based on internal credit policies and RBI guidelines. Analyze financial documents, bank statements, credit bureau reports, and applicant details. Work closely with Relationship Managers and the digital operations team to ensure quick turnaround time. Identify potential fraud or risk indicators using both manual and automated tools. Ensure proper documentation, KYC validation, and adherence to regulatory norms. Make clear credit decisions and communicate rejections with documented reasoning. Maintain MIS for applications, approvals, and rejections.