45 Credit Policies Jobs

As a part of this role, you will be responsible for ensuring adherence to credit and KYC policies. This includes verifying all KYCs and financial details of borrowers and conducting analysis. It will be your duty to ensure timely processing and adherence to Turnaround Time (TAT) standards. Effective communication with the field team regarding TAT and KYC issues will be a key aspect of this role. Additionally, you will be involved in training the field teams to achieve a First Time Resolution (FTR) rate of 90%. Monitoring credit trends and demonstrating expertise in Excel are also expected from you. The ideal candidate for this position should hold a Graduate or Post Graduate degree in any discipline.,

As a valued member of our team, you will be responsible for evaluating unsecured business loan applications by analyzing financial statements and assessing creditworthiness. Your role will involve conducting financial underwriting for business loans without collateral, ensuring strict adherence to credit policies and regulatory guidelines. Collaboration with sales and credit teams will be essential to facilitate the smooth processing of loan approvals. Additionally, monitoring loan performance and implementing risk mitigation strategies will be part of your core duties. To excel in this position, you should possess 2-3 years of relevant experience in unsecured business loans or financial underwriting. A strong understanding of financial statement analysis and risk assessment in the context of unsecured lending is crucial. Familiarity with loan documentation, credit policies, and regulatory compliance will be advantageous. Your analytical prowess, sound decision-making skills, and effective communication abilities will be key assets in fulfilling your responsibilities. This is a full-time role that requires candidates to be within the maximum age limit of 32 years. If you meet the specified experience criteria and have a passion for working in a dynamic environment where your skills will be valued, we encourage you to apply and be a part of our team dedicated to delivering exceptional financial services. Please note that the work location for this position is in person, and candidates should be prepared to work within this requirement.,

You will be responsible for researching and evaluating clients" creditworthiness. Your duties will include creating credit scoring models to predict risks, approving or rejecting loan requests based on credibility and potential revenues and losses, calculating and setting interest rates, negotiating loan terms with clients, and maintaining records of loan applications. Additionally, you will be required to follow up with clients to manage debt settlements and loan renewals, ensuring all lending procedures comply with regulations. You will also play a key role in developing, reviewing, and updating our company's credit policies.,

As a Credit Analyst, your primary responsibility will be to research and assess the creditworthiness of clients. You will be tasked with creating credit scoring models to effectively predict risks associated with lending. Based on your analysis, you will have the authority to approve or reject loan requests, taking into account the credibility of the clients and the potential revenues and losses involved. Additionally, you will be in charge of calculating and setting interest rates, as well as negotiating loan terms with clients to ensure a mutually beneficial agreement. It will be essential for you to maintain accurate records of loan applications and follow up with clients to manage debt settlements and loan renewals in a timely manner. Furthermore, you will play a crucial role in ensuring that all lending procedures strictly adhere to regulatory guidelines. Regularly developing, reviewing, and updating the company's credit policies will also be part of your duties to maintain compliance and efficiency in credit operations.,

The candidate must possess a thorough understanding of products such as Term loans, Working capital, and structural products. The role does not have a specific sector focus and requires the following skills: - Conducting due diligence on corporate entities, groups, and promoters. - Analyzing financial statements. - Understanding industry and market dynamics related to proposals and applying this knowledge in credit assessments and risk mitigation. - Conducting site visits and holding personal discussions with promoters or CFOs. - Creating credit notes with specific deal covenants. - Ensuring compliance with internal credit policies and documenting any deviations in the credit notes. - Approving or recommending credit limits and transactions. - Monitoring portfolio companies.,

You will be responsible for researching and evaluating clients" creditworthiness. Your role will involve creating credit scoring models to predict risks and making decisions to approve or reject loan requests based on credibility, potential revenues, and losses. Additionally, you will be tasked with calculating and setting interest rates, negotiating loan terms with clients, and maintaining records of loan applications. It will be part of your job to follow up with clients to manage debt settlements and loan renewals. You will also be required to ensure that all lending procedures comply with regulations and to actively participate in developing, reviewing, and updating our company's credit policies.,

The Branch Credit Manager in this NBFC is responsible for underwriting secured loan against property proposals, ensuring adherence to credit policies & procedures, conducting personal discussions with customers to determine credit worthiness, completing credit/KYC documents verification through telephonic, field visits, and collateral visits. They are also responsible for training the sales team on credit policy, assessing income to obligation ratios, supervising Credit Processing Associates, coordinating with sales to achieve targets, and ensuring SLAs are met. The Branch Credit Manager must have a minimum of 3 years of work experience in Credit Appraisal and Credit underwriting for Loan Against Property.,

You will be responsible for sourcing to loan disbursement of LAP Files. It is essential to have a market connect of 25+ DSA channels. You should possess a good understanding of various programs such as Vanilla income, Low LTV, Banking Product, NIP/LIP, etc., along with a basic understanding of financials. Regular field visits are required to meet channel partners and establish strong relationships. Demonstrating a comprehensive understanding of the Loan Against Property product, including eligibility criteria, valuation methodologies, and risk assessment is crucial. You will be accountable for monthly Login activities, ensuring accurate and timely documentation following internal processes. Achieving self-assigned disbursal targets in line with credit policies is a key part of this role. Building and maintaining strong relationships with existing DSAs and fostering new relationships are essential. Recognition for performance in current/previous assignments is desirable. Essential Skills/Competencies: - Strong communication and interpersonal skills - Understanding of LAP Product Behavioral Profile: - Adaptability - Team Player - Willingness to Travel This role falls under BD / Pre Sales - Other in the NBFC industry. It is part of the Sales & Business Development department. Employment is on a Full-Time, Permanent basis. The role category is BD / Pre Sales. Candidates with any graduate degree are eligible to apply.,

Evaluate loan proposals for Machinery Finance and Loan Against Property (LAP). Conduct comprehensive financial, technical, and legal due diligence on loan applications. Approve or recommend credit proposals in accordance with company policies. Required Candidate profile Proven experience in credit assessment of LAP and Machinery Loans. Strong analytical and decision-making skills. Ability to work independently and collaborate with cross-functional teams.

As a Credit Analyst, you will be responsible for evaluating proposals and credit requirements of clients, presenting them to Management for approvals, and managing pre and post-sanctioning documentation. You will prepare CMA reports and financial reports for the Bank, ensuring compliance with organizational and Bank credit policies. Your role will also involve driving recovery and follow-up efforts with customers for dues, maintaining strong relationships with loyal Banks, and establishing connections with new ones. It will be essential to update Management regularly on proposal statuses and market trends, collaborate with bankers to optimize the overall cost of funds and declarations, and stay updated on compliance, process, and market changes to share knowledge with the team. Additionally, you will develop and implement strategies to expand relationships with Banks and Financial Institutions, assess client creditworthiness, and identify early signs of account issues to reduce delinquency. This role offers an opportunity to excel in a dynamic work environment, competitive compensation and benefits, and the chance to play a pivotal role in credit analysis and risk management. You will be part of a team that values collaboration and professional growth. Join us as a Credit Analyst and unlock your potential. Let's work together to shape a successful financial future.,

You are looking for a Senior Manager Credit Controller/Account Receivable to take charge of credit risk management within the organization. In this role, you will be responsible for supervising billing, collections, and credit control functions. Your main duties will include ensuring prompt and accurate invoicing, managing outstanding receivables, and enforcing credit policies to maintain optimal cash flow. Collaboration with internal teams and external stakeholders will be crucial to ensure smooth financial operations. Your responsibilities will include overseeing the end-to-end Accounts Receivable (AR) process, which involves tasks such as invoicing, collections, reconciliations, and reporting. You will need to develop and execute effective credit policies and collection strategies to minimize bad debts and improve cash flow. Analyzing AR aging reports, collaborating with sales, customer service, and finance teams, and ensuring compliance with company policies and regulatory requirements will also be part of your role. Additionally, you will optimize AR processes through the implementation of automation tools and best practices, support audits, and mentor the AR team to foster a high-performance culture. To qualify for this position, you should ideally hold a CA/ICWA in Finance and have 3-8 years of experience in accounts receivable management. A strong understanding of accounting principles, billing procedures, and credit management is essential. Proficiency in ERP systems and Microsoft Excel, along with excellent analytical, problem-solving, and communication skills, will be beneficial. You should be capable of handling high-volume transactions in a fast-paced environment and possess strong leadership and team management skills. Experience or knowledge in P&L preparation and financial reporting would be an added advantage.,

Job Summary: We are seeking a skilled Credit Underwriter to join our team in evaluating loan applications from dairy farmers. The successful candidate will conduct video calls with applicants to gather financial information, analyze cash flow, and make informed decisions on loan approvals. The Credit Underwriter will also maintain accurate records, track portfolio quality, and perform loan utilization checks. Key Responsibilities: 1. Conduct Video Calls: Engage with dairy farmers via video calls to gather information on income sources, assets, household details, and liabilities. 2. Analyze Cash Flow: Evaluate applicants' cash flow to determine their ability to repay loans. 3. Make Loan Decisions: Use sound judgment and credit expertise to approve or decline loan applications. 4. Maintain Accurate Records: Keep detailed records of video calls, applicant information, and loan decisions. 5. Track Portfolio Quality: Analyze data to monitor portfolio quality, identify trends, and recommend improvements. 6. Perform Loan Utilization Checks: Verify that loan funds are being used for intended purposes. 7. Stay Up-to-Date: Maintain knowledge of credit policies, procedures, and regulatory requirements. 8. Good understanding of credit bureau reporting and bank account statements Make Loan Decisions, Track Portfolio Quality, Loan reimbursement, credit policies, Loan regulatory. Nice to have Experience working with dairy farmers or in agricultural financing - Familiarity with video conferencing tools and digital platforms - Certification in credit analysis or a related field

The role of Credit Manager-Credit Cards in Retail Banking at Mumbai involves providing recommendations for enhancing and modifying credit policies and procedures. These recommendations are aimed at ensuring compliance with all requirements, mitigating risks, and delivering exceptional customer service. Additionally, conducting a detailed analysis of the existing business portfolio, suggesting changes to support business growth, and implementing policies to maintain a high-quality retail portfolio within the specified Turnaround Time (TAT) are key responsibilities. Utilizing tools such as automation and digitization to enhance process efficiency is essential. Moreover, ensuring the effective adherence to internal compliances and regulatory frameworks throughout the business operations is crucial. Collaborating with internal audit and regulatory audit teams to address their requirements and concerns related to credit policies and procedures is part of the role. Working closely with Collections to minimize net credit loss and delinquency metrics by identifying trends among delinquent customers and communicating them to the Collections team for corrective actions is a priority. Reviewing and approving credit proposals within the designated discretionary authority and escalating others to the appropriate approval authority while ensuring compliance with the bank's credit policy is a critical aspect of the job.,

The Deputy Sales Manager Secured Business Loan will be responsible for driving the sales and growth of the secured business loan portfolio. This role requires strong sales leadership, a deep understanding of secured lending products, and the ability to manage a team of field executives. The ideal candidate should be goal-oriented, have strong business acumen, and maintain strong relationships with clients and partners. Key Responsibilities: - Drive the sales of secured business loans by leading a team of sales executives. - Achieve monthly, quarterly, and annual targets for loan disbursals and revenue. - Identify and acquire new clients for secured business loans (e.g., LAP, Working Capital backed by collateral). - Manage relationships with DSAs, channel partners, and direct customers. - Conduct regular market research to understand competitor offerings and customer needs. - Ensure proper documentation and adherence to credit policies and processes. - Coordinate with credit, operations, and legal teams for smooth processing and disbursement. - Provide training, motivation, and mentoring to the sales team to ensure high performance. - Monitor portfolio quality and take corrective action in case of delinquency or default risk. - Prepare regular sales reports and forecasts for management. Key Requirements: Education: Graduate/Post-Graduate in Business, Finance, or related field. Experience: 4-6 years in secured loan sales (preferably LAP, SME loans, or Working Capital loans), with at least 12 years in a team management role. Knowledge: - Strong knowledge of secured lending products and documentation. - Understanding of credit and risk evaluation for SMEs. - Familiarity with local markets, customer segments, and regulatory guidelines. Skills: - Excellent communication and interpersonal skills. - Team leadership and people management. - Strong negotiation and problem-solving skills. - Goal-oriented with strong execution capabilities. Preferred Qualifications: - Prior experience in NBFCs, banks, or fintechs dealing with SME or LAP products. - Existing network with channel partners and DSAs. KPIs / Performance Metrics: - Disbursement volume and growth. - Number of new client acquisitions. - Portfolio quality (delinquency, NPA rates). - Team productivity. - Channel partner engagement and development.,

Location Manager - RCU Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RM's and company involved Ensure adherence of credit policies and RBI guidelines Continuous monitoring of Infant Delinquencies

Responsibilities (Sales & Marketing) 1. On-Ground Responsibilities (Field Sales) Field Visits: Regularly visit rural markets, farmers, and retailers to establish personal relationships, promote products, and conduct sales meetings. Sales Pitch & Product Demonstrations: Provide in-person product demonstrations, explaining benefits and helping customers understand the value of the products in their rural context. Meetings with Stakeholders: Meet with key stakeholders, such as retailers, local business owners, or community leaders, to build networks and facilitate product sales. Conducting Trainings: Organize and conduct on-site training sessions for farmers and field extension service officers focusing on product usage, benefits, and selling techniques. Field Events & Campaigns: Organize promotional activities such as product roadshows, on-the-ground campaigns, and events to increase brand awareness and sales. Coordinate the delivery of materials with inventory & logistics team to close the sales. Target driven role credit underwriting, Analyze Cash Flow, Make Loan Decisions, Track Portfolio Quality, Loan reimbursement, credit policies, Loan regulatory. Nice to have Experience working with dairy farmers or in agricultural financing - Familiarity with video conferencing tools and digital platforms - Certification in credit analysis or a related field

Conduct thorough credit analysis and assessments to determine client creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential credit risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Proficiency in financial modeling and data analysis tools. Strong understanding of the BFSI industry and its regulatory framework. Experience working with small finance banks or similar institutions is preferred.

Job Requirements Role/ Job Title: Credit Manager - Wholesale Banking Function/ Department: Wholesale Banking Risk Job Purpose To manage and oversee the banks lending process within the wholesale banking segment, ensuring sound credit decisions through thorough evaluation of clients creditworthiness. The role involves developing credit scoring models, setting loan terms, and collaborating with cross-functional teams to implement and maintain robust credit policies and systems. Roles & Responsibilities Conduct regular asset quality reviews and provide analytical insights to identify risks and opportunities, recommending appropriate actions. Research and evaluate clients creditworthiness through financial analysis, site visits, and stakeholder discussions. Collaborate with business, legal, compliance, and portfolio analytics teams to assess credit requests and make informed decisions. Approve or reject loan applications based on risk assessment and potential revenue/loss impact. Negotiate loan terms with clients, ensuring alignment with bank policies and risk appetite. Review and update credit policies and risk acceptance criteria to reflect changes in regulatory requirements and business strategy. Partner with credit systems support teams to implement key credit policy criteria in relevant credit acceptance and evaluation systems. Education Qualification Graduation: Any Graduation (preferably in Finance, Commerce, or Economics) Post-graduation: MBA/PGDM in Finance or related field (preferred) Professional Qualification/Certification: Chartered Accountant (CA) or equivalent (preferred) Experience Minimum 5 to 10 years of relevant experience in credit risk assessment, preferably in wholesale banking. Show more Show less

The Credit Analyst will be responsible for appraising proposals and working closely with the Relationship Manager and Funding Specialists. You will be responsible for the appraisal of SME loans, approving documents, and generating analysis reports based on the analysis of the borrower's cash flow statements, tax returns, and other financial information. Additionally, you will perform and verify system-generated detailed financial and ratio analysis, interpret financial information to determine credit quality, and interact with borrowers for any additional information. To be successful in this role, you should have strong analytical skills, including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis, and projections. Proficiency in Excel, including the use of graphs/charts, is required. Basic knowledge of credit principles, lending operations, loan research, and general credit policies is also essential. We are looking for a detail-oriented team player with the ability to work well under pressure and multi-task. Strong written and verbal communication skills, problem recognition, resolution skills, and preferred education qualifications such as Inter CA/M. Com/MBA/PGDM in Finance Specialization are preferred.,

The role of a Specialist - Business Rule Engine (BRE) involves overseeing the design, implementation, and optimization of rule-based systems that govern credit policies for various loan products. It is crucial to ensure that credit policies align with the bank's credit strategy, regulatory requirements, and evolving market conditions. Collaboration with cross-functional teams, including IT, data science, compliance, Product, and underwriting teams is essential to embed business rules effectively in systems and processes. Additionally, the role plays a strategic part in assessing and enhancing the automation of credit decision processes. In terms of business responsibilities, the Specialist is expected to lead the development and implementation of business rules within the credit policy framework using a Business Rule Engine (BRE) to automate and optimize decision-making. This includes translating credit policies, risk strategies, and underwriting guidelines into technical rules in the BRE. Continuous monitoring and refinement of rules to adapt to policy changes, regulatory requirements, and credit risk strategies are also part of the role. Collaboration with stakeholders to gather business requirements and ensuring alignment with organizational objectives and compliance standards is crucial. Training regional users on new rules configured in BRE and coordinating with IT and vendors on BRE patch updates are also key responsibilities. Analyzing trends for rule fails and assisting regions in achieving higher STP rates are further tasks to be undertaken. From a customer perspective, the Specialist acts as the primary point of contact for the Business Rule Engine and credit policy-related matters across departments. Working closely with credit underwriting, risk, product, and IT teams to align rule-based credit decisioning with business objectives is essential. Communication of updates, providing training to relevant departments, and supporting the credit policy team in developing new risk strategies are key responsibilities. Conducting impact analysis to forecast how proposed changes to rules will affect credit decisioning and risk exposure is also part of the role. Ensuring that rules effectively manage risk while supporting business goals for customer acquisition, profitability, and compliance is crucial. Addressing feedback from regional credit teams in a timely manner and maintaining the BRE tracker are additional responsibilities. Qualifications for this role include a B.E or B.Tech (IT/CSE), MBA finance, or a bachelor's/master's degree in business, finance, computer science, data analytics, or a related field. Experience of 3-5 years in IT-Banking domain, with a proven track record of managing and optimizing rule-based systems, particularly in financial services or fintech, is preferred. Proficiency in data analysis tools such as SQL, Python, R, and decision automation, as well as knowledge of credit scoring models and loan origination processes, are necessary skills for this role.,

As a Sales Manager, your main responsibility will be to strengthen B2B, Travel, HoReCa & Institutional sales networks. You will need to build long-term relationships with customers, vendors, and institutions/canteens. It will be important to liaise effectively with key accounts to have the company and its SKUs listed in order to enhance sales. Ensuring that all SKUs are listed and available in given chains will also be a crucial part of your role. Expanding distribution and acquiring new accounts in the assigned geographic area through effective market analysis will be a key focus. Crafting new sales strategies and offers to boost sales, conducting market research to identify selling possibilities, and evaluating customer needs will be essential tasks. You will also need to ensure a 100% fill rate, follow up on purchase orders, and ensure smooth delivery. Your responsibilities will also include ensuring proper placement, visibility, facing, shelf space, stock availability, stock condition (FIFO), and hygiene of products at B2B, Travel, HoReCa & Institutional channels. Developing and administering credit policies, ensuring timely collections, and reviewing and identifying business gaps to develop sales promotional activities will be part of your duties. Coordinating with internal teams such as Sales, Operations, Quality, and Marketing, ensuring proper display, merchandising, and increasing shelf share of the brand will be important. Providing regular updates on competitor margins and activities/launches, owning P&L responsibility, and driving sustainable account growth with the right 5P execution (Assortment/Placement/Planograms/Branding/Promotions & Pricing) will also be key aspects of your role. Furthermore, you will be responsible for generating MIS/Dashboard reports on brand performance and competition. Your ability to effectively manage these tasks and responsibilities will contribute to the overall success of the sales department and the company as a whole.,

As the Risk Manager for the company's mortgage portfolio, your primary responsibility will be to manage the risk dynamics effectively by implementing proactive mitigation actions. You will play a crucial role in maintaining the balance between risk and reward for the mortgage portfolio through strategic decision-making and policy development. Your key tasks will include writing and modifying credit policies, product parameters, and processes to establish comprehensive lending guidelines. Additionally, you will be responsible for formulating acquisition and portfolio policies, conducting in-depth analysis to optimize risk and reward trade-offs, and fine-tuning acquisition strategies. Monitoring economic and social environmental factors that could impact the credit performance of the portfolio will be a critical aspect of your role. It will be essential to develop proactive mitigation actions to address any potential risks effectively. You will also oversee the documentation processes, forms, and guidelines for the mortgage profile, ensuring compliance with company policies and regulatory requirements. Providing support and guidance on credit and risk-related matters to business teams will be necessary to ensure proper execution of risk control strategies. Managing and monitoring portfolio quality through periodic reviews and analysis will be vital for maintaining a healthy portfolio. You will be required to make decisions based on portfolio triggers and collaborate with the business team to identify market opportunities from a credit risk perspective. Furthermore, your role will involve identifying and analyzing risks associated with the loan portfolio, ensuring diversification and quality across activities and regions. It will be crucial to adhere to policies and processes, correct procedural flaws, and support branches in implementing improvements while ensuring compliance with legal and regulatory frameworks. In addition, you will be responsible for facilitating credit training on fundamentals and processes, designing training modules, and collaborating with the training team to ensure effective policy and process training. You will also contribute to the development and monitoring of risk mitigation tools and drive innovation in risk identification and quantification methods. Providing senior management with insights into the credit risk profile, forecasting future performance, and identifying key risk mitigation strategies will be essential for strategic decision-making. Collaborating with leaders across the mortgage business to develop analytics for product development and pricing strategies will contribute to business growth and risk management. Interacting with various support groups, such as IT and compliance, to review systems and processes and ensure compliance with audit and regulatory regulations will be part of your responsibilities. Your qualifications for this role include a CA or MBA in Finance, providing you with the necessary expertise to excel in managing the risk dynamics of the company's mortgage portfolio effectively.,

As an Area Credit Manager, you will be responsible for overseeing and managing the credit operations within a designated area or region. Your primary role will involve assessing the creditworthiness of potential customers, evaluating credit applications, and determining appropriate credit limits. You will also be required to monitor and analyze the credit performance of existing customers, identifying any potential risks or issues. In this position, you will work closely with the sales team to ensure that credit policies and procedures are followed effectively. You will be responsible for maintaining strong relationships with both internal and external stakeholders, including customers, financial institutions, and credit bureaus. Additionally, you will play a key role in developing and implementing strategies to minimize credit losses and improve overall credit management processes. The ideal candidate for this role will have a strong background in credit management, with a deep understanding of credit principles and practices. You should have excellent analytical skills, attention to detail, and the ability to make sound decisions based on data and risk assessments. Effective communication and interpersonal skills are essential for collaborating with various teams and stakeholders. Overall, as an Area Credit Manager, you will play a critical role in ensuring the financial health and stability of the organization by effectively managing credit risk and maintaining strong credit relationships.,

Join us as a Credit Manager at Hilti India, a rare opportunity for ambitious finance professionals to build a global career. As Credit Manager, you lead Hilti India's Credit and Collection department, and are responsible for all aspects of the function including development and execution of credit and collection policies, management of credit risk to ensure sustained business growth, and facilitating the organization's understanding of credit policies and decisions. A successful candidate needs to be internationally mobile, and ready to embark on a multinational career by leveraging opportunities in Hilti locations across the globe. At Hilti, we are a passionate global team committed to making construction better. As a trusted partner for productivity, safety, and sustainability, we provide our customers innovative solutions that impact the buildings, roads, and infrastructure people rely on every day. Hilti is where individuals grow lasting careers by exploring possibilities, maximizing their potential, owning their development, and making a real difference every day. The role involves continued monitoring and review of the credit & collection policies to meet the current business, industry, and economic requirements. Analysis and management of credit management tool in line with credit policy. Clear communication of the credit policy to the organization by way of training and internal communications. Balance risks and opportunities when assessing customer needs and the company's risk exposure. Sees the end-to-end process and makes decisions based on the big picture beyond own function with thorough assessment of business impact internally and externally. Ensuring New Accounts are correctly assessed and processed efficiently. Monitoring compliance with credit policy & internal controls to ensure all credit legislative requirements are compliant. Lead, develop and motivate the credit team to drive continued high performance. Known for our focus on providing fulfilling careers and a culture of Performance with Care, we are Ranked 16th amongst India's Best Workplaces and 17th Among Asia's Best Workplaces by Great Place to Work Institute. Your responsibilities will be great and, with them, we'll give you the freedom and autonomy to do whatever it takes to deliver outstanding results. Opportunities to move around the business, work abroad, experience different job functions, and tackle different markets will be offered. It's a great way to find the right match for your ambitions and achieve the exciting career you're after. The people review process enables your career progression as soon as you're ready for the next challenge. Qualifications required include being a Qualified CA or MBA in Finance/International Business Economics, with a Rank Holder CA or MBA from a premier B School being an added advantage. A graduation degree in Commerce or Accounting will be preferred. 3-5 years of experience post MBA/CA (prior Credit experience is not mandatory). Strong interpersonal communication skills, ability to influence business towards decision-making, ability to maintain strong relationships with cross-functional teams, external clients, and internal colleagues. Advanced level knowledge in Excel, BI is necessary. We have an excellent mix of people, which we believe makes for a more vibrant, more innovative, more productive team. So, if you've never worked in construction, that's fine with us. Success at Hilti is down to teamwork, ability, and competitive drive, no matter what your background.,

You should have a strong understanding of various financial products such as Term loans, Working capital, and structural products. Your role will be sector agnostic and require the following skills: - Conducting due diligence of corporate, group, and promoters - Analyzing financial statements - Understanding industry and market dynamics related to proposals and applying them in credit assessments and risk mitigation - Conducting site visits and having personal discussions with promoters/CFO - Preparing credit notes and specifying deal-specific covenants - Ensuring adherence to internal credit policies and documenting any deviations in the credit note - Approving/recommending credit limits and transactions - Monitoring portfolio companies Your responsibilities will involve a thorough analysis of financial products, industry dynamics, and risk assessment to ensure the success of the credit assessments and recommendations. It is crucial to have a keen eye for detail and excellent communication skills to effectively interact with stakeholders and make informed decisions.,