159 Credit Operations Jobs - Page 4

Job Title: Credit Process Associate Location: Bangalore Salary: Up to 4 LPA (Based on Interview Performance) We are seeking a Credit Process Associate with experience in credit processing and underwriting to join our dynamic team in Bangalore. The ideal candidate should have a strong understanding of financial analysis, risk assessment, and documentation verification. Responsibilities include processing loan applications, evaluating creditworthiness, and ensuring compliance with company policies. Requirements: 1-3 years of experience in credit processing/underwriting Strong analytical and decision-making skills Attention to detail and accuracy If you have the right expertise, apply now Interested and experienced candidates can apply by: Email: pragti.saxena@cielhr.com

Role & responsibilities Financial assessment of high-net-worth strategic customers through careful study of financial documents. Risk Management; Reduced credit risk by developing Mitigation, workout and liquidation plans. Implement risk assessment analysis with scoring models and reviewing complex credit proposal. Consistent assessment of the strength and weakness within the portfolio. Developed comprehensive learning modules for new credit managers, ensuring a seamless onboarding process and fostering a strong foundation in credit management practices. Managed quality underwriting operations through implementing FIRST TIME RIGHT (FTR) logins, which resulted in qualitative turnaround time for the customers. Implemented change management by reviewing quality of credit risk, assessment and underwriting processes through digitization. Analyzed and verified financial documentation, including tax returns, bank statements, and financial statements, to assess borrowers' creditworthiness. Utilized advanced underwriting tools and software to evaluate credit applications. Developed custom underwriting criteria for different loan products to optimize risk management. Engaged in regular review and adjustment of credit underwriting guidelines to reflect changing market conditions. Conducted site visits and face-to-face interviews with major clients for high-value loan assessments for effective credit underwriting. Creditworthiness : Assessing the creditworthiness of individuals, businesses, or current customers. This involves analysing financial data, credit reports, and payment history. Loan requests : Reviewing, approving, or denying loan requests. Interest rates : Calculating and establishing interest rates. Loan terms : Negotiating loan terms with clients. Credit policies : Creating, reviewing, and revising company credit policies. Compliance : Ensuring that all lending procedures are compliant with the law. Collections : Managing collections effectively, including negotiating payment plans and maintaining positive customer relationships. Credit scoring models : Developing models to predict hazards. Bad debts : Monthly review of bad debts and assistance with bad debt provision analysis. Perks and benefits As per company norms

Finance Assistant, Credit Processing Associate, experienced in Working Capital and Project Finance , Experienced in Bank processing and client management. MBA, M COM, Any graduation with experience is preferred.

Key Responsibilities Team Leadership Lead and manage a team of credit collectors, providing guidance, support,and fostering a positive working environment. Set clear performance goals, targets, and KPIs for the collection team. Conduct regular performance evaluations, provide feedback, and identify opportunities for training and development. Strategy Development and Implementation Develop and implement effective credit collection strategies that align with the companys goals and financial objectives. Analyze data to identify trends, delinquent accounts, and potential risks, and adjust strategies accordingly. Collaborate with cross-functional teams to improve the credit assessment process and minimize future collection challenges. Debt Recovery Oversee the collection of outstanding debts by contacting customers through various channels, including phone calls, emails, and written correspondence. Negotiate repayment plans, settlements, and resolve disputes in a professional and respectful manner.

- Ensure timely achievement of collections targets by formulating & executing collections strategy - Managing end to end collections for the lending business - Responsible for the development, monitoring and implementation of Loans Collections strategies - Identify and pursue opportunities that enhance the collectability of financial return upon impaired assets by improving the decision tools, treatments and strategies used within Loans Collections processes - Own the day day relationship with Credit Operations to execute strategies and enable delivery of portfolio - Collections performance in line with agreed business plan and service level agreements. - Publish key management information and collection scorecards on a regular basis to support business direction - He is required to set up sound Collections processes while adhering to the Fair Practices Code. - Identify trouble spots and implement collection related programs - Excellent with presentation and number crunching - Good to have Worked with Digital Lending platform - Prior experience in Fintech Telco Ability to pull numbers from the database if required, SQL skills - Versatile in handling clients partners with varied languages

This includes, but is not limited to: - Supervising operations to ensure consistency across shifts, accountability of team members and high quality support for both customers and team members - Coaching and mentoring team members to achieve targets and other KPIs that drive growth, while ensuring consistency and accuracy - Identifying and crafting recommendations for policy enhancements - Designing, producing, and maintaining reports and analyses, including deriving insights to drive improvements through training, process optimization, and automation of underwriting processes and procedures - Partnering with global tech, credit, and operations teams to troubleshoot and optimize application and and implement process improvements - Analyzing borrower data and trends while bringing a continuous improvement mindset to deliver a better student borrower experience, improve credit performance, and scale our operations THE QUALIFICATIONS - Bachelor's degree, or higher, preferably in Business Administration, Finance or related field - 5+ years of managing a team focused on loan processing, underwriting, or documentation verification in a fast-paced environment, ideally in a consumer lending business - Understanding of banking, lending, financial services or personal finance with the ability to learn and adapt quickly - Keen people management with a focus on mentorship and professional development - Customer service orientation with an innate sense of service and empathy for others - Outstanding written and verbal communication skills - Exceptional organizational skills and attention to detail - Passionate about analytics and tech savvy - A passion for financial inclusion and access to higher education is a must!

- Ensure timely achievement of collections targets by formulating & executing collections strategy - Managing end to end collections for the lending business - Responsible for the development, monitoring and implementation of Loans Collections strategies - Identify and pursue opportunities that enhance the collectability of financial return upon impaired assets by improving the decision tools, treatments and strategies used within Loans Collections processes - Own the day day relationship with Credit Operations to execute strategies and enable delivery of portfolio - Collections performance in line with agreed business plan and service level agreements. - Publish key management information and collection scorecards on a regular basis to support business direction - He is required to set up sound Collections processes while adhering to the Fair Practices Code. - Identify trouble spots and implement collection related programs - Excellent with presentation and number crunching - Good to have Worked with Digital Lending platform - Prior experience in Fintech Telco Ability to pull numbers from the database if required, SQL skills - Versatile in handling clients partners with varied languages

Location : Chennai, Coimbatore, Trichy, Madurai, Tirunelveli, Chidambaram, Salem Role & responsibilities Evaluate Credit Applications : Review and assess the credit applications identified the potential borrowers to determine their creditworthiness. Conduct Financial Analysis : Analyze the financial documents, including income statements, balance sheets, and other relevant information, to assess the borrowers repayment capacity. Risk Assessment : Evaluate the risks associated with lending to each customer, considering factors such as credit history, market conditions, and the borrowers ability to repay. Approval or Rejection : Based on the assessment, either approve or reject credit applications or forward them to senior management for higher approval. Ensure Loan Disbursement : Ensure timely and accurate disbursement of loans in accordance with the approved credit terms. Document Verification : Oversee the verification and proper documentation of loan agreements, collateral, and all necessary legal and financial documents. Post Disbursement : Ensure End-use of Loan Proceeds and Asset Creation. Monitor Loan Portfolio : Continuously track the performance of the branches credit portfolio, ensuring that loans and credits are performing as expected. Identify Early Warning Signs : Identify and monitor early signs of credit risk, such as delayed payments, declining customer financial health, and external economic factors that may affect repayment. Portfolio Review : Regularly review the portfolio for any necessary adjustments, refinancing, or restructuring of loans based on performance and risk levels. Collaterals and Security : Ensure that adequate collateral or guarantees are obtained, assessed, and secured as part of the loan agreement. NBFC Experience Added Advantage Preferred candidate profile Position: Full Time Qualifications: We are currently seeking candidates who hold an UG and Above Qualification for this Position. Candidate's Should have experience in Credit. Excellent organizational skills and attention to detail. Strong supervisory and leadership skills. Time-management skills Ability to handle confidential information Perks and benefits Yearly Bonus Employee Insurance Food & Accommodation PF & ESI Contact Persons : Vignesh R : 8667792138 Janarthanan Coimbatore RHR : 934491327 Venkatesh Chennai RHR : 9994417866 Vadivel Trichy RHR : 9362133141 Gokul Salem RHR : 6382594271 Muthukumar Nellai RHR : 9500343781 Perumal Madurai RHR : 9940995494 Seralathan Chidambram RHR : 9360057304

We are looking for experienced Sales officers/ Assistant Managers/ Managers for our existing and new branches in Pune (MH), Nashik (MH), Kalyan (MH), Pimpri (MH), Dehradun (UK), Haridwar (UK), Jaipur (RJ), Rewari (HR) and Zirakpur (PB). Responsibilities & Key Deliverables: Origination of loan proposals (secured LAP and unsecured BL). Preliminary evaluation of proposal in line with company policy Responsible for logging in positive proposals in the system Engaging with relevant authorities/ departments for Case Approvals; escalating the case wherever required. Engaging with Credit, Operations & Client for effective & smooth case closure. Meeting monthly, quarterly and annual targets assigned. Management of Channel partners and other external stakeholders Providing regular service to the customers and taking care of their future needs. Collections from overdue customers Assist risk and credit teams in portfolio risk management Required Skills and Experience: 2 yrs+ of experience in small-ticket BL/ LAP sales in the NBFC / Banking industries Exposure and understanding of products in small ticket lending (secured and unsecured) Knowledge of the local market; strong contacts with DSAs/ connectors Exposure to latest underwriting practices and tools prevalent in the small ticket lending industry

We are looking for an experienced Branch Manager for our branch at Zirakpur Company Profile - STFT Finance Pvt. Ltd. is an RBI-registered NBFC dealing in small business loans. We offer unsecured business loans and secured loans (LAP) to the self-employed borrower segment. The company was set up in 2019 by senior NBFC and Banking sector professionals having strong Business, Credit & Risk experience. We are looking for motivated and growth-oriented professionals to join our growing team. We believe in empowering people and providing growth opportunities to deserving colleagues. Responsibilities & Key Deliverables: Managing a team of 8-10 Sales Officers Responsible for driving business - LAP and Unsecured Business loans Achieving branch's sales and collections targets. Building and managing relationships with Channel partners and other external stakeholders End to end responsibility of driving loan origination, approvals and disbursements. Engaging with Credit, Operations & Clients for effective & smooth case closure. Providing regular service to the customers and resolving grievances, if any, at Branch level. Assist risk and credit teams in portfolio risk management. Collections from overdue customers Hiring, retaining and training the team to achieve strong growth in the location under coverage Responsible for overall cost management and policy compliance at the Branch Required Skills and Experience: 8-12 years of relevant sales experience in NBFC / Banking industry Exposure and understanding of products in LAP & Unsecured Business Loans / Small Business Loans segments. Team handling experience Local Sales experience of at least 3-4 years in the location applied for is a must. Exposure to the latest underwriting practices and tools prevalent in the small ticket lending industry Exposure to the latest underwriting practices and tools prevalent in the small ticket lending industry

We are looking for experienced Credit Managers for our existing and upcoming branches in Maharashtra at Pune, Pimpri-Chinchwad, Aurangabad and Kolhapur. Responsibilities & Key Deliverables: Assessment and recommendation of loan proposals (LAP & unsecured BL) Physical meetings with customers, assessment of undocumented income and customer/ business profile. Preparation of CAMs, recommending and taking approvals from Sanctioners, and managing all credit related deliverables Managing all pre-disbursement activities in Branch including verification of loan documents in compliance with sanction letter and internal policies, managing the assigned tasks in LOS, seeking PDD/ OTC approvals and tracking them to closure, as well as assisting Central Ops team in MIS, returns, reconciliation etc. Delivering analytical quality & TAT as per expected standards for all loan proposals Engaging with Sales teams, Sanctioners and Central Operations team to drive closure of loan transactions Provide relevant & regular inputs for creation / refinement of Credit policy and Operations processes Monitor and track the portfolio health & performance and manage portfolio delinquency Responsible for managing the risk and credit practices in line with the Risk Policy framework Drive and support other miscellaneous initiatives as part of risk / credit / operations/ business from time to time Required Skills and Experience: 3 yrs+ of relevant experience in the NBFC industry (BL/ LAP) including PD experience Exposure and understanding of credit practices and products in small ticket business lending (secured and unsecured) Should have local market knowledge of key industries, high risk localities and understanding of property papers, acceptable collateral etc. Should be conversant with legal documentation for secured and unsecured loans. Early joiners will be preferred

The National Head - Credit Operations CAD role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Associate Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Associate Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Associate Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Associate Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Senior Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Senior Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

The Manager - Credit Administration role at IndusInd Bank involves overseeing key operations, ensuring compliance, and driving business growth. Responsibilities include managing customer interactions, improving service efficiency, and coordinating with various teams to achieve operational excellence. The ideal candidate should possess strong analytical skills, excellent communication, and a proactive approach to problem-solving. Prior experience in a similar role is preferred. Candidates must demonstrate leadership qualities and adaptability to dynamic banking environments. This position offers a great opportunity to grow within the banking sector.

Credit File Checking as a maker role. Disbursement Docket Checking for Solar, BL, PL, LAP, HL, SCF & Other loan products as a maker. Support to Doc Team HO as well as LMS entries for disbursement & other tasks as a maker role. Post Disbursement activities & Customer Service-related support to HO Ops. Rejection Letter dispatch & MIS, IPF, Login Fees management, and other Ops tasks as guided by HO Ops Team. Collecting the needed financial documentation and assessing the clients creditworthiness. Calculating and analyzing the risk ratios of clients based on their credit score and financial history. Approving or denying loan requests and communicating decisions to both clients and management. Setting up payment plans for clients, explaining monthly installment amounts, interest rates, and other costs. Maintaining records of loan applications using loan management software. Managing loan renewals by organizing follow-up meetings with clients. Monitoring the progress of the loan application process and relaying any hindrances to clients. Ensuring that loan applications comply with the company s financial policies, state laws, and regulations. Qualifications Required: Bachelor s degree required. Minimum of 1 year s experience as an Operations Officer. Strong communication skills and proven customer service experience. Strong ethical behavior and the ability to work with sensitive financial information.

- Ensure timely achievement of collections targets by formulating & executing collections strategy - Managing end to end collections for the lending business - Responsible for the development, monitoring and implementation of Loans Collections strategies - Identify and pursue opportunities that enhance the collectability of financial return upon impaired assets by improving the decision tools, treatments and strategies used within Loans Collections processes - Own the day day relationship with Credit Operations to execute strategies and enable delivery of portfolio - Collections performance in line with agreed business plan and service level agreements. - Publish key management information and collection scorecards on a regular basis to support business direction - He is required to set up sound Collections processes while adhering to the Fair Practices Code. - Identify trouble spots and implement collection related programs - Excellent with presentation and number crunching - Good to have Worked with Digital Lending platform - Prior experience in Fintech Telco Ability to pull numbers from the database if required, SQL skills - Versatile in handling clients partners with varied languages

This includes, but is not limited to: - Supervising operations to ensure consistency across shifts, accountability of team members and high quality support for both customers and team members - Coaching and mentoring team members to achieve targets and other KPIs that drive growth, while ensuring consistency and accuracy - Identifying and crafting recommendations for policy enhancements - Designing, producing, and maintaining reports and analyses, including deriving insights to drive improvements through training, process optimization, and automation of underwriting processes and procedures - Partnering with global tech, credit, and operations teams to troubleshoot and optimize application and and implement process improvements - Analyzing borrower data and trends while bringing a continuous improvement mindset to deliver a better student borrower experience, improve credit performance, and scale our operations THE QUALIFICATIONS - Bachelor's degree, or higher, preferably in Business Administration, Finance or related field - 5+ years of managing a team focused on loan processing, underwriting, or documentation verification in a fast-paced environment, ideally in a consumer lending business - Understanding of banking, lending, financial services or personal finance with the ability to learn and adapt quickly - Keen people management with a focus on mentorship and professional development - Customer service orientation with an innate sense of service and empathy for others - Outstanding written and verbal communication skills - Exceptional organizational skills and attention to detail - Passionate about analytics and tech savvy - A passion for financial inclusion and access to higher education is a must!

Job Location: Chennai Qualifications: Any Graduation Years of Experience: 3 to 5 years You will be aligned to our Financial Services, banking, Insurance, and Capital Market vertical which is focused on helping clients with their tax preparations, insurance coverage, and investment portfolios. You will be working as a part of the Lending Operations team which prepares retail credit proposals, conducts pre-analysis, do dupe checks, data entry, customer point verifications (CPV), and review income documents in line with the client credit policy, procedures, and turnaround times. The Underwriting team focuses on raising investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. The role requires a good understanding of credit analysis, creditworthiness, credit underwriting, credit appraisal memo, commercial lending, financial analysis, asset evaluation, and income calculation. The role may also need expertise around residential underwriting, mortgage underwriting, government-sponsored loans, and pre-purchase review. What are we looking for? We are looking for individuals who have the following skillset: • Ability to establish strong client relationship • Ability to handle disputes Ability to manage multiple stakeholders Roles and Responsibilities In this role you are required to do analysis and solving of lower-complexity problems • Your day to day interaction is with peers within before updating supervisors • In this role you may have limited exposure with clients and/or management • You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments • The decisions you make impact your own work and may impact the work of others • You will be an individual contributor as a part of a team, with a focused scope of work • Please note that this role may require you to work in rotational shifts