159 Credit Operations Jobs - Page 5

- 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!

Primary Skills Trade Finance Independently review and analyze trade finance documents, bank guarantees & SBLC, Letter of Credit related documentation. Accurate booking and authorizing of bank guarantees /SBLC including commission and compliance check Perform and Verify Compliance checks (including DnS) at transaction level. Ensure all processes comply with relevant laws, regulations, and internal policies and sanctions. Payments Process payment transactions with quality, accuracy & Turnaround time Knowledge and Experience of SWIFT (101, 103, 202, Cover etc.) Payment processing across multiple platforms (domestic and cross border payments). Relevant experience in Payments, Cash, Treasury Operation dealing with operational process Investigate breaks in the General Ledger due to failed payments and take appropriate actions to resolve the breaks within the pre-determined SLAs as advised and allocated by Leads and Managers Credit Operations Credit Analysis Set up of credit limits in the system. Sending up legal documents within a specified threshold Drafting the legal documentation, and sending it to the client. Annual reviews of the documents. Loan processingLoan disbursements, rollovers and closures. Secondary Skills The principal activities for the Middle officer can be - Capture & Validation (or control) operations in dedicated Operational system. Documentation of payments or securities settlements are managed correctly and in a timely manner. Reconciliation of front and back-office activities as it pertains to GMO activities. Resolve any discrepancies with clients and ensure proper resolution. Enforce levels of controls in respect to the bank guidelines. Ensure that any issues are escalated to the team leader within an appropriate time frame. Skills (competencies) Verbal Communication Written Communication

Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers. New Client Acquisition Business generation of MSME Business. Responsible for individual team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal external channel for business expansion development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales. Good client servicing skills. Good financial, analytical and communication skills.

Role & responsibilities 1. Manpower planning for the regions in the Zone 2. Training interventions Induction, product refresher for both ops and Credit teams 3. Portfolio Management and monitoring of the Operation of the Portfolio 4. Monitoring of TAT of Login to Sanction, Sanction to Disbursement, Technical and Legal 5. Credit appraisal RH and AH Cases 6. Market research of new practices for improving business, improving Quality, and Productivity 7. Monitoring the productivity of the LTC Team to ensure profitability 8. Process monitoring, implementing new processes to improve TAT, Easiness in process 9. Monitoring Customer satisfaction 10. Audit compliance 11. New Products proposal and implementation 12. Monitoring Vendor management of Legal, technical, and FI (TAT, Cost, on-time payments, and Quality of reports) 13. LOA, NOC, and documents release process monitoring for the closed cases 14. CERSAI, CKYC, and other compliance activities Preferred candidate profile Banking, NBFC, Credit Manager

We are hiring for the Credit audit role with the wholesales banking experience for Mumbai location. Ensure that team carry out the Concurrent Audit of security credit file checking with expected quality timelines Independently conduct any assigned audits viz. WBO Business credit, CAD, BBG, EEG, KGC, quick mortality review, Other departmental audits Ensure Audit is done as per Standard Audit Procedure regulatory guidelines revenue audits with timelines Discussing Queries audit report with auditee at appropriate level highlight critical exceptions to seniors Drafting Quality of draft audit Report Review of work done by subordinate Quality of exception Recording identification of process gaps Proactiveness in reading different Circulars and on new learning Ensure the UAT Reviews Process Reviews with quality and time-lines ICAAP Review IRB Review Any other Adhoc assignments SOX Educational Qualifications CA/ MBA Finance/ Inter CA.

Direct Recourse under Letter of Credit : Generations of Business Object report on a daily basis. Follow up of Payment etc. v Follow up For Payment/Past Due Obligations from Letter of Credit Opening Bank. v To ensure that tracers (Acceptance/Payment) are properly sent. v Scrutiny of Bills. v Authorization of the bills inputted for all events. v Raising/Tracking for Exception approval. v To ensure that discrepancy message regarding documents, if any, is properly conveyed to the client. v Tracking of rate of interest/handling charges etc. approvals for discounting of Bills. v In case Acceptance received has single signature, Branch Visit Report (BVR) needs to be performed. v ( instead of BVR : necessary process note to be followed ) v Monitoring SMFS Acceptance v For physical acceptance, need to arrange/check for signature verification. ( instead of BVR : necessary process note to be followed ) Export Collection/Discounting/Loans/L iquidation Authoriser : v Generation of Outstanding Bills report from related system (OBIEE) on weekly basis - for approval to be taken for outstanding bill as per Board Note. v Generation of Past Due Obligation Bills report from OBIEE system on daily basis. v Generation of Outstanding Loans Report from OBIEE system on daily Basis v Checking of Office of Foreign Assets Control list/Specially Designated Nationals list. v Monitoring of disposal as per mail received from Relationship Manager/Corporates/Service desk. v Preparation of Quality Initiative Group data on daily/monthly basis and provide to Central Processing Unit Trade Finance. Meetings to be held with client/Relationship Manager to educate them for reducing First Time Not Right cases. v Monitoring updation of inward messages in FCC received in inward tracker. v Half yearly Export Outstanding (XOS) reporting. v Monitoring of calculation of interest and refund of correct amount of interest at the time of booking and liquidation. v Updation and circulation of charges approval in Trade Stream and amongst team members. v Liaising with RBI for cases referred to them. v FRMS check for all the bills booked v FIRC utility check for all the bills booked wherein part funds received v EDPMS check for Shipping Bills v Fortnightly review of Bills booked in order to check MIS & other details related to the transactions booked. v Ensuring RBP check for ROI v Ensuring Subvention check for Interest Equalisation Schemes v Ensuring charges are taken as per requisite approval v Tracking of Inward Messages v Sending cases to RBI for approval. Letter of Credit Authoriser : Scrutinize Letter of Credit application. v Perform signature verification. v Ensure consistency of documents/clauses/details. v Check internal guidelines, FEMA regulations, Foreign Assets Control list/Specially Designated Nationals list, Harmonised System of Nomenclature Code. v Check Outstanding Post Due Obligations. v Check Credit Appraisal Memo for conditions. v Check Limits in system, if available. If not available, raise the request to concerned team i.e. Business Banking Operations, Credi

Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing controlling PDD requirement compliance Reduction in customer complaints cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations, Risk within 2W/3W teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee well in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department i.e. product, credit, Ops, RCS compliance to process the file. Connect with HR department for hiring retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 i.e. Two wheeler Loan Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers colleagues across the company. Excellent Team management Interpersonal Skills. Excellent command over communication skills. Highly ambitious self-motivated

Job Summary At Standard Chartered Bank, we are committed to delivering exceptional banking experiences for our affluent clients As a Branch Leader, you will oversee a branch, guiding a team of Wealth Relationship Managers (WRMs) to strengthen client relationships, drive business growth, and uphold the highest service standards Key Responsibilities Oversee Branch Performance: Ensure strong financial outcomes, operational efficiency, and service excellence Grow Wealth Business: Guide WRMs in deepening client relationships and expanding wealth solutions adoption Enhance Client Experience: Promote relationship-based engagement and customized wealth solutions Ensure Operational Standards: Maintain compliance, risk controls, and service quality Develop & Support Teams: Provide mentorship and guidance to strengthen the capabilities of WRMs Skills And Experience Experience in wealth banking, or priority banking with a track record of success Experience leading teams, fostering collaboration, and driving results Dedication to building long-term relationships and delivering high-quality financial solutions Ability to identify opportunities, align resources, and contribute to business growth comfortable in a dynamic environment, with a thoughtful and solutions-focused approach Qualifications Graduate/ Post Graduate At least 13+ years of overall experience with sound banking knowledgeall aspects of general banking, retail operations and credit operations / deposit and lending products / inspection and audit requirements, as applicable Leadership skills, communication skills, relationship building skills, competitive awareness & benchmarking Customer Orientation and Business Focus About Standard Chartered We're an international bank, nimble enough to act, big enough for impact For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours When you work with us, you'll see how we value difference and advocate inclusion Together We Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What We Offer Leadership Opportunity Oversee branch operations, foster collaboration, and contribute to long-term success Wealth Banking Focus Support a team of WRMs in providing tailored financial solutions to clients Career Development Be part of a global institution with opportunities to develop and advance

Job Summary At Standard Chartered Bank, we are committed to delivering exceptional banking experiences for our affluent clients As a Branch Leader, you will oversee a branch, guiding a team of Wealth Relationship Managers (WRMs) to strengthen client relationships, drive business growth, and uphold the highest service standards Key Responsibilities Oversee Branch Performance: Ensure strong financial outcomes, operational efficiency, and service excellence Grow Wealth Business: Guide WRMs in deepening client relationships and expanding wealth solutions adoption Enhance Client Experience: Promote relationship-based engagement and customized wealth solutions Ensure Operational Standards: Maintain compliance, risk controls, and service quality Develop & Support Teams: Provide mentorship and guidance to strengthen the capabilities of WRMs Skills And Experience Experience in wealth banking, or priority banking with a track record of success Experience leading teams, fostering collaboration, and driving results Dedication to building long-term relationships and delivering high-quality financial solutions Ability to identify opportunities, align resources, and contribute to business growth comfortable in a dynamic environment, with a thoughtful and solutions-focused approach Qualifications Graduate/ Post Graduate At least 8+ years of overall experience with sound banking knowledgeall aspects of general banking, retail operations and credit operations / deposit and lending products / inspection and audit requirements, as applicable Leadership skills, communication skills, relationship building skills, competitive awareness & benchmarking Customer Orientation and Business Focus About Standard Chartered We're an international bank, nimble enough to act, big enough for impact For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours When you work with us, you'll see how we value difference and advocate inclusion Together We Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What We Offer Leadership Opportunity Oversee branch operations, foster collaboration, and contribute to long-term success Wealth Banking Focus Support a team of WRMs in providing tailored financial solutions to clients Career Development Be part of a global institution with opportunities to develop and advance

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service Location: Thiruvaiyaru

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service

We are Hiring for Credit Manager for one of Leading NBFC for Business loan credit and collection profile. Candidate must have experience in Small Ticket side Business Loans only.

Role & responsibilities Manage disbursement process from loan sanction to final disbursal. Ensure timely processing of loan applications within TAT (Turnaround Time). Coordinate with sales team for lead generation and conversion. Conduct credit operations, including risk assessment and documentation. Maintain accurate records of customer interactions and transactions. Preferred candidate profile 0-4 years of experience in banking or finance industry. Strong understanding of Credit Operations, Disbursement, Sanction processes. Excellent communication skills for effective customer interaction. Ability to work independently with minimal supervision. Interested candidate can share updated cv on nishi.kumari@auhtm.in or what's up on 8505044754

Dear Candidate, About Us: We are a fast-growing Non-Banking Financial Company (NBFC) offering a range of financial products, including education loans, overdrafts, and loans against property. Our goal is to empower individuals and businesses with tailored financial solutions. Job Summary: A Relationship Manager in a Non-Banking Financial Company (NBFC) is responsible for acquiring, managing, and deepening customer relationships. They focus on selling financial products such as loans, investment solutions, insurance, and other NBFC offerings. The role involves business development, client servicing, and ensuring customer satisfaction while achieving financial targets. Key Responsibilities: 1. Client Acquisition & Business Development: Identify and acquire new clients for NBFC products, including loans, wealth management, and investment solutions. Develop and maintain strong relationships with customers, businesses, and high-net-worth individuals (HNIs). Generate leads through networking, referrals, and cold calling. 2. Customer Relationship Management: Act as a single point of contact for customers to understand their financial needs and provide suitable solutions. Maintain long-term relationships with existing clients to ensure repeat business and cross-sell/up-sell opportunities. Address customer queries, complaints, and grievances in a timely manner. 3. Sales & Revenue Generation: Meet and exceed assigned sales targets for different financial products and services. Present and explain NBFC offerings, including personal loans, business loans, vehicle finance, structured finance, etc. Work on fee-based revenue generation by promoting investment and wealth management solutions. 4. Market Research & Strategy: Stay updated on industry trends, competitor activities, and customer needs. Provide insights and recommendations to management for product enhancement and market penetration strategies. 5. Credit & Risk Assessment: Assist in loan application processing by coordinating with credit teams for risk assessment and approvals. Ensure compliance with regulatory and internal credit policies. 6. Coordination with Internal Teams: Work closely with operations, credit, and compliance teams to ensure smooth processing of transactions. Ensure proper documentation and adherence to regulatory norms. Required Skills & Qualifications: Education: Bachelors/Masters degree in Finance, Business Administration, Economics, or related fields. Experience: 2-5 years in sales, banking, financial services, or relationship management (preferably in an NBFC or BFSI sector). Skills: Strong sales and negotiation skills. Excellent communication and interpersonal skills. Knowledge of NBFC financial products and market trends. Ability to analyze financial data and risk profiles. Problem-solving and customer-centric approach. Performance Metrics: Achievement of sales targets and revenue goals. Growth in customer base and portfolio size. Customer satisfaction and retention rates. Compliance with credit and regulatory guidelines.

Job Title: Credit Administration Officer Department : Credit Risk / Loan Processing Location : Lower Parel, Mumbai. Employment Type : Full-time About Us: We are a fast-growing Non-Banking Financial Company (NBFC) offering a range of financial products, including education loans, overdrafts, and loans against property. Our goal is to empower individuals and businesses with tailored financial solutions. Position Overview: We are seeking a detail-oriented Credit Administration Officer to manage loan administration in Education Loans, Overdrafts, and Loans Against Property. The role ensures compliance with policies, regulatory requirements, and industry standards throughout the loan lifecycle. Key Responsibilities: Loan Application Review : Ensure loan applications and documents are accurate, complete, and comply with guidelines. Credit Risk Analysis Support : Assist in evaluating creditworthiness and conduct due diligence on borrowers. Documentation and Agreement Handling : Draft, execute, and store loan agreements and collateral documentation. Disbursement Processing : Coordinate timely loan disbursements and ensure pre-disbursement formalities are met. Post-Disbursement Monitoring : Track loan repayments, follow up on overdue payments, and ensure recovery compliance. Compliance : Ensure adherence to legal, regulatory, and internal policies. Customer Service : Address customer queries regarding loan terms, repayment, and documentation. Reporting : Prepare reports on loan status, delinquencies, and assist in audits. Qualifications: Education : Bachelors degree in finance, Accounting, Business Administration, or related field. Experience : 2-3 years in credit administration or loan processing in an NBFC or financial services company. Experience in education loans, overdrafts, or loans against property is preferred. Why Join Us? This is an excellent opportunity to be part of an emerging NBFC and contribute to its growth in a dynamic environment. If you're looking to grow within the financial services sector, apply now!

We are seeking an experienced professional in day-to-day Portfolio Monitoring and Early Warning Systems (EWS) with exceptional communication skills and a background in supply chain financing, working capital financing, wholesale and retail lending, banking, or NBFCs. The role involves overseeing daily operations and EWS alerts, enhancing their quality and frequency to real-time standards, driving team productivity, automating credit processes, ensuring seamless project execution, and building strong relationships with vendors and stakeholders. Experience 4+ Years Mumbai (Chembur) Alright, so youre sold. But who are we Diversity and humility are not just big words hung up on the walls. At CredAble, we put people at the heart of everything we do and our core values are the driving force behind our success. CredAble is an NBFC technology-powered supply chain funding solutions company Leveraging our trade finance expertise, technology platform, and access to 3rd party capital, we arrange funding programs for enterprise supply chains and do direct lending to SMEs. Led by a team of industry experts, CredAble is at the forefront of powering tech-enabled working capital financing. Programs are anchored around enterprise clients, where we provide funding linked to transactions with suppliers (payables) and distributors (receivables). We are series B funded startup with Axis Bank limited as a strategic investor. You will be responsible for: Credit Operations and Portfolio Monitoring: Responsible to monitor day to day functioning of Credit Operations and EWS alerts. Ensure enhancing quality and quantity of EWS alerts. Reduce the frequency of EWS alerts from monthly to weekly/ daily to real time alerts. Enhance productivity of Credit Operations Team. Ideate, support and execute automation within entire Credit Function. Credit Operations and Portfolio Monitoring: Coordinate internal resources and third parties/vendors for the flawless execution of projects. Ensure that all projects are delivered on-time, within scope and within budget. Developing project scopes and objectives, involving all relevant stakeholders and ensuring technical feasibility. Develop a detailed project plan to track and align sponsors on progress. Establish and maintain relationships with vendors and stakeholders. You will be reporting to: Associate Vice President Risk Management Operations. What will you bring to the table 4+ years of experience. Largely in bank managing high ticket loans monitoring. Detailed understanding of collateral monitoring. Understanding of credit underwriting of large ticket corporate loans. Project Management experience. Understanding of PM and Risk tools. Good communication and negotiation skills. Excellent knowledge of MS Excel, MS Visio and MS PowerPoint. Logical and result oriented. The educational qualification you ll need: M.Com ./CA/MBA/CFA or relevant experience with any bachelor s degree. Besides making the best move of your career, what s in it for you Working in a highly entrepreneurial setup with a visionary team passionate to help scale new heights of business success. Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today. CredAble thrives on transparency and culture to nurture growth. Being part of CredAble enables you to push beyond the ordinary.

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches. Credit-Operations Manager will ensure process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. ore Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process. Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC. Ensuring gating rejections in line with credit policy and close monitoring on login quality. Ensuring timely initiation of internal reports and checks as mandated by credit policy. Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy. Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines. Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing. Ensure adherence to policies and SOPs across all credit-operations processes. Identify and rectify process gaps to enhance efficiency and accuracy. Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required. Ensure compliance with regulatory requirements and internal controls. Work on Loan Origination System (LOS) and Finnone for loan processing. Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting. Support digital initiatives to streamline credit-operations processes and improve efficiency. Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region. Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency. Conduct periodic performance reviews and ensure team adherence to KPIs. Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs): First Time Right (FTR) - Ensuring minimal errors in loan files. Turnaround Time (TAT) - Ensuring quick and efficient loan processing. Compliance Adherence - No deviations from policy and regulatory guidelines. Process Efficiency - Identifying and implementing improvements in workflows. Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit team Responsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques. Hold regular meetings with the business team & conduct regular training for improvement in FTR files Work cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processes Prioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC. Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

Build a sales funnel by working closely with the companys demand generation team. Drive sales targets for the zone, which include, but are not limited to, new borrower onboardings, processing fees, assets under management (AUM) utilization, and disbursals. Create a sales funnel, enable approvals with credit teams, close customer documentation, and ultimately drive utilization in the portfolio. Manage the existing portfolio and be responsible for portfolio health by enabling timely renewals and timely collections. Work closely with cross-functional teams like credit, operations, and tech to help create a scalable customer journey. Who can apply: 3-5 years of experience across NBFC. Strong understanding of SME/MSME supply chain finance products Channel Finance, Term Loans, Business Loans, WCDL & Vendor Finance. Sales streak for convincing customers of B2B lending products, from lender and fintech perspective Ability to contribute in an IC role with gradual performance-based growth to lead teams Stakeholder management, business expectation fulfillment, and problem-solving. Should be flexible and swift to adopt a startup pace. Benefits: 5 Days working Medical Benefits Key Skills : Relationship Management Business Development Sales Client Acquisition Working Capital Supply Chain Finance Portfolio Management

Role & responsibilities Verification of KYC documents received from customers. Checking of documents and details uploaded by the Sales Team. Check of CIBIL Scores. Making calls to the customers to check on their credibility. Handling credit operations from login to disbursement Taking care of audit queries and maintaining good audit score. Assessing overall credit eligibility of customer & recommended the case to higher authority. Handling customer data verification as KYC, Bank statements and contact point verification Preferred candidate profile Looking for Telugu speaking candidates either Freshers eager to work in Credit underwriting and KYC verification team into Personal loans. Looking for 2024/2023 pass out Graduation must (or) candidates who have recieved their final semester results are preferred. Linguistic candidates preferred - Telugu language is Preferred Open to work in rotational Day shifts with compensatory day off. Perks and benefits PF Graduity Thanks & Regards, Monica 7397298585 Executive - Human Resource HDB Financial Service