618 Credit Policy Jobs - Page 18

We are looking for a skilled professional with 6 to 11 years of experience to underwrite corporate finance business and manage the portfolio in assigned areas. The ideal candidate will have a strong background in credit appraisal and risk management. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for designated regions. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Engage in developing, implementing, reviewing, and monitoring various credit programs, providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 6 years of experience in credit appraisal and risk management. Strong knowledge of credit policies, procedures, and regulations. Excellent analytical, communication, and leadership skills. Ability to work in a fast-paced environment and meet deadlines. Strong attention to detail and organizational skills. Experience in leading a team of credit approvers to ensure portfolio quality and delinquencies. Skills in development, implementation, review, and monitoring of various credit programs, along with training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy.

We are looking for a skilled Regional Credit Manager to manage all activities pertaining to the sanction life cycle of all borrower accounts in Delhi. The ideal candidate will have 4 to 6 years of experience and support and co-partner with business teams to manage end-to-end credit approval for the designated region. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite for all customer segments for corporate finance products and present to senior level. Authorize deviations raised and documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Lead a team of credit approvers to ensure portfolio quality and manage delinquencies. Develop, implement, review, and monitor various credit programs, providing training and coaching to upgrade team competency and improve processing efficiency. Oversee and initiate follow-ups with external vendors to ensure timely query resolution and report submission, eliminating undue delays. Coordinate with the recoveries team and generate business insights. Travel extensively to oversee branches in the territory to develop business, guide the team, and ensure a quality portfolio. Ensure compliance with all Audit/other regulatory regulations, processes, policies, and reports as per company systems. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in a related field. Possess strong knowledge of credit appraisal, underwriting, and financial services. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in Mid Corporate-Credit Appraisal, located at Prestige Corniche-M4-M6, Bengaluru. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance, financial services, or broking. Possess strong knowledge of credit appraisal, underwriting, and risk management. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines.

We are looking for a highly skilled and experienced Customer Service Executive to join our team in Delhi. The ideal candidate will have 1-3 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform various tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 1 year of experience in customer service, preferably in banking or financial services. Strong knowledge of customer service principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in direct sales and marketing is an added advantage. Educational qualificationsAny Graduate, Postgraduate. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer service and building long-term relationships with its clients.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Lucknow. The ideal candidate will have a strong background in credit underwriting, risk management, and customer relationship building. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to determine loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to facilitate approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a minimum of 10 years of experience in credit underwriting or a related field. Strong knowledge of credit underwriting principles, risk management, and customer relationship building. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Proficiency in MS Office and other relevant software. CertificationsCA/MBA (Preferable). Additional Info The company offers a dynamic and supportive work environment, with opportunities for growth and development.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Palanpur, S9 Complex, JM. The ideal candidate will have a strong background in credit underwriting and risk management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios and loan to value ratios, and calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree. CA/MBA certification is preferable. Minimum 10 years of experience in credit underwriting and risk management. Possess strong knowledge of credit underwriting principles, practices, and regulations. Demonstrate excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills.

1) Carbon Credits Trading (Sale & Purchase) 2) Carbon Credits Development 3) Carbon Advisory & Consultancy Services

Key Deliverables for the role Build the Credit and Operations functions in the Company covering the following: o Underwriting o Transaction Documentation o Disbursements o Banking Operations o Regulatory Compliance & Reporting (CERSAI, Credit Bureaus etc.) Lead a team of Credit & Operations Officers Managing quality & delivery turnaround of loan proposals. Enabling business growth Provide relevant & regular inputs for creation refinement of Credit policy. Will drive and support other miscellaneous initiatives as part of risk credit business technology as may be taken up from time to time. CA/ MBA with 10 14 years of relevant credit risk experience with reputed NBFCs & or Commercial Banks Exposure and knowledge of credit practices and products in small ticket lending (LAP Home Loans and unsecured loans) Should have local market knowledge of key industries, acceptable collateral, high risk areas etc. Should be fully conversant with legal documentation Candidates having experience in both Operations and Credit will be preferred.

Key Accountabilities: 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. Adherence to turn around times on customer loan requests, as per the agreed service level agreements Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. Maintain system data quality. Comprehensive profile study and financial analysis and proposal making. Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Team monitoring, mentoring and appraisals. Timely input on policy enhancements and optimization. Knowledge of regulatory reporting on account status and monitoring. Understanding market dynamics and frequent visits to customers. Portfolio monitoring and reporting to management and relevant stakeholders. If this opportunity matches your caliber, then apply for the same. Our team will connect you post the initial screening process.

Bharat Financial Inclusion is looking for Branch Credit Manager to join our dynamic team and embark on a rewarding career journeyCredit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity.Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms.Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations.Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria.Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults.Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts.Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns.Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders.Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities.

Responsible for Credit & Risk appraisal of Secured Loans. Appraising deviations basis mitigants, relationships, local market knowledge, etc. Meeting customers to understand their needs and structure a proposal that fulfills both customers Required Candidate profile Using different avenues to get the customer information while underwriting. Experience in entire loan processing operations including scrutinizing the borrower assets, KYC, and Financial documents.

Duties and Responsibilities: Key Deliverables for the role Responsible for LAP Sales. Responsible for evaluating the proposal in line with company credit policy Responsible for logging in positive proposals in the system Engaging with relevant authorities and departments for Case Approvals. Escalating the case wherever required. Engaging with Credit, Operations & Client for effective & smooth case closure. Providing regular service to the customers and taking care of their future needs. Assist risk and credit teams in portfolio risk management. Collections from overdue customers Meeting monthly, quarterly and annual targets assigned. Management of Channel partners and other external stakeholders

1) Carbon Credits Trading (Sale & Purchase) 2) Carbon Credits Development 3) Carbon Advisory & Consultancy Services 4) Sales & Marketing 5) Analyst 6) Nature Based Solutions

Roles and Responsibilities Urgent Requirement in NBFC Company Assistant Credit Manager Annalise risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analysed for Credit History Knowledge of Technical and Legal report Desired Candidate Profile 3 + Years of Experience in the field of NBFC/Banking/Any finance industry with relevant HL, Lap, and BL Products

Qualifications Any degree Experience 2-4 yrs in Finance company or NBFC Sector Skills Proven work experience as a Credit Officer, Loan Officer or similar role Hands-on experience with lending procedures and products Description Credit Officer responsibilities include reviewing loan requests Assessing clientsfinancial status Evaluating creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e g credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans

This includes the consistent application of a credit policy, periodic credit reviews of existing customers, and assessing the creditworthiness of potential customers. Should have knowledge of LAP/Housing loans/BL Analyze risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analyzed for Credit History Knowledge of Technical and Legal report Calculate financial ratios (e.g. credit scores and interest rates) Sanction TVR Hindsight Visit in Field Personal Discussion(PD) on Tele/Video/Physical Audit Clearance To process files for Disbursement the credit manager is responsible for the entire credit granting process.

Urgent Opening for Finance Manager-Gurgaon Posted On 16th Jul 2015 03:09 PM Location Gurgaon Role / Position Finance Manager Experience (required) 6 years Description Our Client was nominated by NASSCOM amongst the top 100 IT innovators of 2007.Our client is one of leading innovative travel solutions company offering cutting edge technological solutions in Travel space DesignationFinance Manager Location -Gurgaon Job Summary Shall be responsible for managing overall finance and accounts for TBO Holidays from Delhi Managing Financial Reporting in preparation analyzes & submission of monthly MIS reports. MIS reports include P&L, key performance indicator report, Variances Report etc Analysis of business financial performance on different KPI along with the business team. Driving Value contribution initiatives like cost reductions; competitive benchmarking to generate ideas; improved systems & processes to control the risks associated with the businesses. Coordinate annual budget exercises, forecast, audit and other RBI compliances Liaison with banks for guarantees and other facilities. Overall monitoring of receivables and compliance to company credit policy. Candidate Profile Qualification CA with at least 6 years of post qualification experience. Super Communication-written & Oral Send Resumes to sbharathwajan.expertiz@gmail.com -->Upload Resume

Greetings from IDESLABS !!! This is U. Prabhu Teja IT Recruiter, As Discussed, I am processing your profile for Contract to HirePosition for CAPGEMINI. PAYROLLIDESLABS Roles and Responsibilities :- Design, develop, and optimize SQL Server databases, stored procedures, functions, and triggers. Ensure database performance optimization and troubleshoot performance issues. Analyse complex data sets to meet business requirements. Develop and maintain reports, dashboards, and data visualizations Support ETL processes to extract, transform, and load data across systems Maintain and improve existing ETL processes to ensure data integrity and accuracy. Collaborate with business analysts and stakeholders to gather and understand requirements. Document database processes, data flows, and architecture. Perform regular database maintenance, backups, and recovery procedures. Monitor and manage database performance and availability. Roster support during weekends to support ETL Runs. Generate Adhoc reports to support Incidents and Product teams analysis Interseted can share profile for prabhu@ideslabs.com Thanks & Regards -------------------------------------------------------------------------- | Prabhu Teja| Recruitment | IDESLABS (P) LTD | Hyderabad | | M+ 91 9949412703 | Email

Role & responsibilities Evaluate loan applications, analyze financial statements, credit reports, and other relevant information to assess creditworthiness. Approve loans within delegated authority and ensure adherence to credit policies and procedures Manage and mentor a team of credit analysts, providing guidance and support in credit appraisal and approval processes . Collaborate with other departments like sales, operations, and collections to drive business growth and achieve business targets Monitor the performance of the loan portfolio within the zone, identifying and mitigating potential risks. Implement strategies to improve portfolio quality, reduce delinquencies, and enhance recoveries Monitor periodic Credit reviews Monitor & maintain quality portfolio of given Zone. Manage relationship with Zonal business team. Suggest change requirements in credit process to National Credit Manager. Compliance to norms and Audit requirement Vendor Management

Job title: Manager (Credit) Reports to: Head (Credit & Operations) Department: Credit & Operations Duties and Responsibilities: Key Deliverables for the role Responsible for assessment of loan proposals in line with the credit policy of the company. Managing quality & delivery turnaround of loan proposals. Engaging with relevant authorities for loan approvals. Assisting Business, Operations & Client for effective & smooth loan closure. Provide relevant & regular inputs for creation refinement of Credit policy. Monitor and track the portfolio health & performance and manage portfolio delinquency. Responsible for managing the risk and credit practices in line with the Risk Policy framework. Will drive and support other miscellaneous initiatives as part of risk credit business as may be taken up from time to time. Required Qualifications and Experience: CA/ MBA with 2 4 years of relevant credit risk experience in the NBFC Banking industries B Com with 5-8 years of relevant credit risk experience in the NBFC Banking industries Exposure and understanding of credit practices and products in small ticket lending (secured and unsecured) Should have local market knowledge of key industries, acceptable collateral, high risk areas etc. Should be conversant with legal documentation for secured and unsecured loans.

Self-management, self-starter with strong grasp of financial products and services relevant to real estate development projects. Team player Detail-oriented and results-driven, with a focus on delivering high-quality work and achieving organizational objectives Excellent communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholders. Strong Negotiation & liasoning with bankers, external agencies Financial Modelling, Cash flow analysis, Analysis of various factors specific to real estate Thinking skills (problem solving and decision making) Microsoft proficiency (Excel, Word) Key attributes:- Analytical skill, attention to detail, Financial acumen, Integrity Interaction with the Clients, understanding their requirements, collating required data for preparation and submission of the proposal to Banks/ FI's Evaluating clients credit data and financial statements for preliminary risk assessment In-depth credit assessment involving Financial, Credit, Legal, Technical, Economic and risk analysis. Structuring the proposal, Review Information Memorandum, Teasers, Financial model, cash flow and CMA projections Proficient in excel & preparation of CMA data, financials Solution-oriented attitude and resolving queries of all Banks and Clients Ability to lead, negotiate and resolve, manage stakeholders expectations Ability to build relationship at top levels of Financial institutions (FI) Stay updated on market trends, competitor activities, and regulatory changes impacting the real estate finance landscape in Mumbai & Navi Mumbai, providing strategic insights to senior management. Financial market & economy. Capability to interact with financial institutions for transaction structuring, due diligence and documents. Handling of multiple transactions at a time Minimum of 2 years of experience as Credit executive position within the real estate finance industry, with a strong grasp of financial products and services relevant to real estate development projects. CA or MBA

Job DescriptionYou will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needsQualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Job DescriptionYou will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needsQualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Help Shape Our Financial Decisions as a Credit Analyst!. Soul AI is a pioneering company founded by IIT Bombay and IIM Ahmedabad alumni, with a strong founding team from IITs, NITs, and BITS. We specialize in delivering high-quality human-curated data, AI-first scaled operations services, and more. Based in Hyderabad, we are a young, fast-moving team on a mission to build AI for Good, driving innovation and positive societal impact. We are looking for a Credit Analyst to evaluate creditworthiness, assess risk, and provide valuable insights for lending and investment decisions. You will analyze financial data and market conditions to help mitigate risks and make informed credit decisions. Key Responsibilities:. Analyze financial statements and credit reports to assess the credit risk of potential clients. Develop credit models to predict financial outcomes. Monitor and review clients' financial performance. Provide recommendations for credit approvals, limits, and terms. Assist in managing credit risk strategies and improving collection efforts. Key Skills & Experience:. Proven experience as a Credit Analyst or in financial analysis. Strong understanding of credit risk analysis and financial reporting. Ability to work with large datasets and perform financial modeling. Excellent analytical, decision-making, and communication skills. Why Join Us. Competitive pay (Up to ‚1200/hour). Flexible hours. Remote opportunity. NOTEPay will vary by project and typically is up to Rs. .