618 Credit Policy Jobs

As a Credit Officer, your primary responsibility will be to verify whether all loan applications are assessed in accordance with the credit policy, ensuring that any deviations are appropriately mitigated and documented. You will have direct interactions with customers, conducting personal discussions and interviews to evaluate their creditworthiness. It will be crucial for you to ensure that all files are processed within a reasonable timeline while establishing strong relationships with customers. In addition to customer interactions, you will collaborate with the sales and operations teams to gather accurate data for loan processing. You will play a key role in the security creation process for secured loans, ensuring compliance with all KYC guidelines mandated by the RBI. Your analytical skills will be essential for processing data using computer spreadsheets and evaluating credit parameters. Your role will also involve relationship management, where you will coordinate with sales and relationship managers to ensure proper documentation and address any audit queries promptly. A deep understanding of various risk dimensions such as operational risk, credit risk, and market risk will be necessary to perform your duties effectively. Furthermore, you should be comfortable assessing clients even in the absence of audited financial statements. Flexibility and willingness to travel within the city may be required to fulfill the responsibilities of this role effectively.,

Formulation of Credit Policy for assigned products Review amendment proposal to credit policies Monitor effective implementation of credit policies Review and Analysis of historical loan data to understand the pattern from delinquency point of view Apply statistical tool to analyze the pattern and come with detailed assessment Review and Prepare risk dashboard for management which shows all important risk parameters Customer, vendor, competition visits & Market analysis Develop rating model/scorecard for various retail and corporate loans based on historical data Testing of scorecard/model on a regular basis and update Coordinate with various stakeholder for the rating model implementation Prepare and maintain database of loan products from risk assessment point of view Ensure data is correctly captured in the system and coordinate with different teams to fix the issue. Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption Regulatory, Audit reporting interested candidate can share their resume on adarsh.pandey@utkarsh.bank.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field. Graduate Yes Masters/Postgraduate Yes Certifications CA Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification Graduate, Masters/Post Graduate Certifications CA/MBA (Preferable) Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

Key Responsibilities: Manage Policy & Portfolio for Loan Against Properties (LAP) / Home Loans. Should have prior experience Prime Home Loan OR Prime LAP Formulation & implementation of credit policy framework for Housing Loan product within regulatory guidance & risk appetite of the bank. Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. Ensuring process & underwriting efficiencies through tech initiatives/digitalization. Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. Support system changes to improve quality of data and ease of processes. Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews.

Role Purpose Underwriting strategy. Assess proposals basis usage. Understand and derive financial trends of applicants. Prepare management OR credit committee level approval proposals. Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies. Accountability Cluster 1 • Adherence to turn around times (TAT) on customer loan requests, as per the agreed service level agreements (SLA) Accountability Cluster 2 • Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. • Maintain system data quality. Accountability Cluster 3 • Comprehensive profile study and financial analysis and proposal making. • Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Accountability Cluster 4 • Team monitoring, mentoring and appraisals. Accountability Cluster 5 • Timely input on policy enhancements and optimization. Accountability Cluster 6 • Knowledge of regulatory reporting on account status and monitoring. Accountability Cluster 7 • Understanding market dynamics and frequent visits to customers. • Portfolio monitoring and reporting to management and relevant stakeholders.

Roles and Responsibilities Manage credit underwriting process for auto loans, including credit analysis, appraisal, and approval. Conduct thorough credit risk assessment to minimize defaults and maximize recoveries. Develop and implement effective credit policies, procedures, and guidelines for the organization. Collaborate with sales teams to identify potential customers' creditworthiness before disbursement of funds. Ensure compliance with regulatory requirements related to lending operations.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA/ICWA/CS/M.com/B.com (Hons) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

To carry out the file audit of assigned locations as per hind sighting process and observe deficiency if any and follow up for their remarks / feedbacks for appropriate closure. Core Responsibilities: o Conduct periodical inspection of disbursed files to ensure process and polices norms are followed, highlighting areas of improvements at regular intervals. o Support the internal customers (credit and operations) team by providing feedback on qualitative processing and supporting improvements. o Implement effective controls and improvements in the process design, system and operation wherever required. o Prepare reports on the documention process adhering to timelines and accuracy. o Review customer data entry - demographic details (including income related & other additional information ), efficiency in LOS/Finone and ensure maximum files are processed and sanctioned with minimium error rate. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Coordinating for NHB & other statutory audit related to file maangement. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Prepare accurate and efficient reports and MIS for the review. o Understand policies and provide training to location teams to ensure process and polices norms are followed. o Ensure all PMAY files are validated before submission of claim to regulator. o Ensure and validate KYC checking at 100% Qualification: Graduate, Masters/Post Graduate

Role & responsibilities Implement Policy changes, work on alternative channel development Implement and monitor Data based changes to existing policy programs and impact monitoring of the same Enhancing understanding of sales manpower for rolled out policies Enhancing contribution of Direct sourcing in existing disbursements Enhancing volumes from partnership channels. Drive overall effectiveness of business sourcing by using data insights and program management

The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter role involves managing large and complex products on a global scale and overseeing the credit review process. Your primary focus will be on providing top-notch credit risk analysis, monitoring, and credit administration to support Risk and Banking in ensuring the safety and soundness of wholesale lending across ICM. As an Analyst in this position, you will be responsible for a portfolio of IF and CEF Relationships. Your duties will include conducting Credit Risk Analysis for these relationships, continuously monitoring the portfolio, preparing Annual Reviews, Quarterly Reviews, and supporting Ad-Hoc Transactions, Portfolio & Industry Reviews, and Stress Testing initiatives. A key aspect of your role will be to possess a profound understanding of credit risk, Citis internal policies and procedures, and industry fundamentals relevant to the portfolio. You are expected to work with minimal supervision from Team Leads and engage in insightful discussions with Risk and Banking partners. Key Responsibilities: - Evaluate the credit and financial strength of Citis IF and CEF clients through comprehensive credit analysis using quantitative and qualitative factors - Prepare Credit Analysis Write-up Memos and Final Obligor Risk Ratings based on independent assessment and due diligence - Monitor the portfolio, track industry trends, identify potential credit issues, and escalate them as necessary - Conduct financial modeling of IF and CEF clients, including stress testing and Enterprise Valuation - Review and recommend risk ratings within the sector - Ensure compliance with bank credit and regulatory policies Qualifications: Risk & Credit Underwriting: - Strong analytical skills and understanding of financial statements - Ability to form independent credit opinions and identify emerging risks - Proficiency in financial statements, GAAP accounting, and Credit Policy - Capability to recognize and escalate potential risk issues promptly Leadership: - Demonstrate commitment, positivity, and reliability - Embrace change and contribute actively in discussions - Exhibit professionalism, curiosity, and willingness to challenge ideas Competencies: - Excellent interpersonal skills and relationship-building abilities - Strong organizational skills, ability to work under pressure, and manage time effectively - Exceptional written and verbal communication skills across all levels of seniority - Proficiency in Microsoft Office (Word, Excel, and PowerPoint) and Financial Modeling Education: - MBA Finance, CFA, or CA This role falls under the Risk Management job family, specifically in Credit Decisions. It is a full-time position. If you require a reasonable accommodation due to a disability to access our tools or apply for a career opportunity, please review the Accessibility at Citi guidelines. Additionally, you can refer to Citis EEO Policy Statement and the Know Your Rights poster for more information.,

You will be responsible for following our Business Code of Conduct and always acting with integrity and due diligence. Your specific risk responsibilities will include providing exceptional customer service to our customers using various tools and methods. It will be crucial for you to stay updated on new and emerging fraud trends to mitigate risks to the business. You will need to utilize various tools and methods to identify and prevent fraudulent orders. Working within the company's credit policy, you will recommend changes to support growth and process improvement while limiting revenue risk. Additionally, you will help mitigate fraud risk to the company by using different channels and being aware of the tools used to identify fraudulent orders to mitigate the risk to the business of fraud. Your tasks will also involve making outbound and receiving inbound collection calls with customers who are in arrears. You will review processes and procedures to reduce fraud and revenue loss. As a Sr. Associate, your objectives and responsibilities will be similar to that of an Associate, with the only difference being that the performance measures and delivery expectations will be more stringent. Key people and teams you will work with include CEC Operations Teams, CEC Business Partners, Product & Process Improvement Teams, Knowledge Team, and Insight and MI Teams. You will be accountable for delivering agreed service levels for tasks relevant to your team and recommending changes to support growth and process improvement while limiting revenue risk. At Tesco, you can expect a unique and competitive reward package based on industry practices. This includes opportunities for performance bonuses, generous leave entitlements, retirement benefits, health and wellness programs, financial wellbeing support, and more. Tesco is committed to providing the best for its colleagues, ensuring a sustainable and rewarding work environment. Tesco in Bengaluru is a multi-disciplinary team dedicated to serving customers, communities, and the planet. By standardizing processes, delivering cost savings, and empowering colleagues, Tesco aims to create a sustainable competitive advantage. With a focus on high-quality services and reducing complexity, Tesco in Bengaluru plays a vital role in enhancing the customer experience worldwide. Tesco Business Solutions (TBS) is a purpose-driven organization committed to driving scale and delivering value through decision science. With a global presence and highly skilled colleagues, TBS supports markets and business units across multiple locations, adding value and shaping the future of the business.,

The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter role involves managing credit review processes for large and complex products on a global scale. The primary objective of the team is to provide top-notch credit risk analysis, monitoring, and credit administration in collaboration with Risk and Banking teams to uphold the safety and stability of wholesale lending within ICM. As an Analyst in this position, you will be accountable for a portfolio of IF and CEF Relationships. Your responsibilities include conducting Credit Risk Analysis for these relationships, continuously monitoring the portfolio, preparing Annual Reviews, Quarterly Reviews, offering support for Ad-Hoc Transactions, Portfolio & Industry Reviews, and Stress Testing. A key aspect of the role is to possess a profound understanding of credit risk, Citis internal policies, procedures, and industry fundamentals related to the portfolio while being able to engage in meaningful discussions with Risk and Banking partners with minimal supervision from Team Leads. Key Responsibilities: - Evaluate the credit and financial strength of Citis IF and CEF clients through detailed credit analysis using quantitative and qualitative factors to make credit recommendations. - Prepare Credit Analysis Write-up Memos and Final Obligor Risk Ratings based on independent assessments and due diligence of clients to ensure appropriate credit extensions within Risk appetite. - Continuously monitor the portfolio, track industry trends, assess impacts on key relationships, and escalate potential credit issues to Team Leads, Risk, and Banking partners. - Conduct financial modeling of IF and CEF clients to project cash flow profiles, run stress sensitivity analyses, and Enterprise Valuations. - Review and provide risk rating recommendations across the sector. - Ensure compliance with bank credit and regulatory policies to maintain adherence and receive satisfactory ratings from internal and external auditors. Qualifications: Risk & Credit Underwriting: - Proficient analytical skills with the ability to interpret financial statements, identify trends, anticipate issues, and form independent credit opinions. - Advanced knowledge of financial statements, GAAP accounting, and Credit Policy and procedures. - Ability to promptly identify and escalate potential risk issues. Leadership: - Demonstrate commitment, positive attitude, reliability, and eagerness to contribute within the team. - Embrace change, display curiosity, professionalism, and active participation in meetings. Competencies: - Strong interpersonal skills, organizational abilities, and effective time management. - Excellent written and verbal communication skills to convey information clearly and concisely. - Proficiency in Microsoft Office (Word, Excel, PowerPoint) and Financial Modeling. Education: MBA Finance, CFA or CA The job falls under the Risk Management family group and the Credit Decisions job family, requiring full-time engagement. For individuals with disabilities needing accommodations to access search tools or apply for career opportunities, review Accessibility at Citi. View Citis EEO Policy Statement and the Know Your Rights poster for further details.,

-CA is must with 6+yrs Exp into credit risk of Retail passenger car/autoloan and make prudent credit recommendation / first decision to Management under org credit rules and guidelines - PAN India role -To conduct the credit write up

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 3 years of experience in the BFSI industry, with a strong background in credit analysis and risk management. Roles and Responsibility 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.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong attention to detail and organizational skills. Ability to build relationships with clients and stakeholders.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-4 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in financial modeling and data analysis tools. Strong understanding of credit risk management and mitigation strategies. Experience working with diverse stakeholders, including customers, colleagues, and external partners.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify new business opportunities and grow existing relationships. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide exceptional customer service and support to resolve credit-related queries. Stay up-to-date with industry trends and developments to continuously improve credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Excellent analytical and problem-solving skills, with attention to detail and accuracy. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build rapport with customers and colleagues. Proficiency in financial modeling and data analysis tools, such as Excel or similar software. Experience working in a regulated environment, preferably in the BFSI sector.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Proficiency in credit software applications and systems. Excellent analytical and problem-solving skills with attention to detail. Effective communication and interpersonal skills to build strong relationships. Ability to work in a fast-paced environment and meet deadlines. Strong knowledge of financial regulations and compliance requirements.

We are looking for a highly motivated and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-2 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit processing. Monitor and report on credit performance metrics. Stay updated with regulatory changes and industry trends. Job Requirements Strong understanding of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Good communication and interpersonal skills. Proficiency in credit software and systems. Strong attention to detail and organizational skills.

We are looking for a highly motivated and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-3 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit processing. Monitor and report on credit performance metrics. Stay updated with regulatory changes and industry trends to optimize credit policies. Job Requirements Strong understanding of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in credit software and systems. Strong attention to detail and organizational skills.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 6-9 years of experience in the BFSI industry, with a strong background in credit management. Roles and Responsibility Manage and oversee the credit function of the branch, ensuring compliance with regulatory requirements. Develop and implement effective credit policies and procedures to minimize risk and maximize revenue. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to identify new business opportunities and grow the existing customer base. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure all credit-related transactions are processed accurately and efficiently. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong relationships with customers and stakeholders. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong attention to detail, with a focus on accuracy and quality in all aspects of work. Experience working with small finance banks or similar institutions, understanding the unique challenges and opportunities in this sector.