618 Credit Policy Jobs - Page 20

Be the First to Apply Job requirements: Function : Credit Card - Credit Role : Credit Underwriters Designation : M2 Grade Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location : Goregaon & Thane (candidates staying about an hour max from office location). Job Role: To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report every month. Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function : Credit Card - Credit Role : Credit Underwriters Designation : M2 Grade Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location : Goregaon & Thane (candidates staying about an hour max from office location). Job Role: To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report every month. Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Role & responsibilities Conduct thorough credit assessments for TW & PL Loan applications. Ensure high quality and performance of the loan portfolio. Meet credit assessment targets within specified TAT. Ensure adherence to audit and regulatory standards at the location. Assist in coordinating and managing vendors for risk control and verification processes. Make well-informed lending decisions based on applicant interactions and available data. Collaborate closely with sales, operations, collections, and policy teams to ensure smooth operations. Maintain databases and prepare monthly reports on loan cases. Coordinate with agencies to sample and screen loan files effectively for fraud prevention. Manage cost efficiency in credit administration processes. Preferred candidate profile Having loan sanctioning authority. Interested candidates can send their resume to: tejashreer@manbafinance.com & dhwanid@manbafinance.com For more info, contact us at: 8657020233

Kothari Medical Centre is looking for Branding & Data Analytics Professional to join our dynamic team and embark on a rewarding career journey Managing master data, including creation, updates, and deletion. Managing users and user roles. Provide quality assurance of imported data, working with quality assurance analysts if necessary. Commissioning and decommissioning of data sets. Processing confidential data and information according to guidelines. Helping develop reports and analysis. Managing and designing the reporting environment, including data sources, security, and metadata. Supporting the data warehouse in identifying and revising reporting requirements. Supporting initiatives for data integrity and normalization. Assessing tests and implementing new or upgraded software and assisting with strategic decisions on new systems. Generating reports from single or multiple systems. Troubleshooting the reporting database environment and reports. Evaluating changes and updates to source production systems. Training end-users on new reports and dashboards. Providing technical expertise in data storage structures, data mining, and data cleansing.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. 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 operations. Monitor and report on credit portfolio performance and risk management. Identify opportunities to cross-sell and upsell relevant products and services. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit portfolios and identifying risks. A graduate or postgraduate degree is required.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and process credit applications efficiently. 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 operations. Monitor and report on credit portfolio performance metrics. Identify opportunities to cross-sell and upsell relevant products. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong analytical and problem-solving skills. Experience in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and analyze credit data to determine client creditworthiness. Develop and implement effective credit risk management strategies. Conduct thorough credit assessments and provide recommendations. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit portfolio performance and risks. Identify opportunities to improve credit processes and procedures. 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 credit software and systems. Strong understanding of financial markets and economic trends. Experience working with small and medium enterprises is preferred.

Requirements: Should be proficient in speaking & reading Odia language (Orissa) Should have atleast 2-3 years experience in handling Mortgages Underwriting for Orissa State. Role & responsibilities oversees the credit-granting process for an organization, ensuring timely payment collection and minimizing financial risks. They evaluate creditworthiness, set credit limits, and develop credit policies, collaborating with other departments like sales and finance. Mail id - niraj.vidyarthy@janabank.com Mai id - Aditya.Singha@janabank.com

Designation - Sr manager Risk Job location - Gurugram, full time Working days - Monday to Friday Key Responsibilities : 6-8 years preferably in financial services Minimum 5 years experience in risk management and credit policy Sharp data analytics skills , for ad hoc analyses and policy updation. Working knowledge of data science models is a plus. Good understanding of charts and trends, to decipher changing industry and portfolio trends. Good at presentation and communication skills. SHould be able to communicate effectively with internal and external stakeholders. Work experience in a renowned NBFC or fintech is a big plus. Good understanding and hands on experience in using AI for enhancing analyses and presentations is a big plus.

J ob Responsibilities : 2-4 years preferably in financial services Experience in risk management and credit policy Sharp data analytics skills, for ad hoc analyses and policy updating. Working knowledge of data science models is a plus. Good understanding of charts and trends, to decipher changing industry and portfolio trends. Good at presentation and communication skills. SHould be able to communicate effectively with internal and external stakeholders. Work experience in a renowned NBFC or fintech is a big plus. Good understanding and hands on experience in using AI for enhancing analyses and presentations is a big plus. Educational qualification: B.Tech/B.E from Tier I / II institution Post graduation is a plus.

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB DESCRIPTION JOB ROLE Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. 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 RMs and company involved Continuous monitoring of Infant Delinquencies. JOB Requirement 3 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs 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 RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role JOB ROLE: Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. 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 RMs and company involved Continuous monitoring of Infant Delinquencies. JOB Requirement: 3 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT / Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies / Infants Job Requirements : CA Inter / CA / MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs 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 RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role Grade- M4 Role- Location Credit Manager About The Role : Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc. Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business. To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments. Manage and ensure timely renewal of accounts and enhancement of portfolio. To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams. Job Requirements Chartered Accountant with experience of more than 1 years Good analytical skills Non Chartered Accountant with relevant experience of Credit function of at least 2-3 years Personality Traits: Strong financial Analysis Skills Analytical skills Strong communication (Written and Oral)

Tata Capital Ltd is looking for Area Credit Manager - Secured Business Loans (Micro LAP) to join our dynamic team and embark on a rewarding career journey Credit Risk Assessment:Evaluate the creditworthiness of new and existing customers Analyze financial statements, credit reports, and other relevant information to determine credit limits Credit Policy Development:Develop and implement credit policies and procedures in line with company objectives Ensure compliance with legal and regulatory requirements related to credit management Credit Limit Determination:Set appropriate credit limits for customers based on risk analysis Periodically review and adjust credit limits as needed Customer Relationship Management:Collaborate with sales and customer service teams to understand customer needs and payment terms Communicate credit decisions and policies to internal and external stakeholders Collections Management:Monitor accounts receivable and aging reports to identify overdue payments Implement and manage collections strategies to minimize delinquencies Dispute Resolution:Investigate and resolve disputes related to billing and collections Collaborate with sales and customer service to address customer concerns and facilitate prompt resolution Reporting and Analysis:Prepare regular reports on credit and collections performance Analyze trends and provide insights to senior management Credit Training:Provide training to internal teams on credit policies, risk assessment, and collections procedures Stay informed about industry best practices and changes in credit-related regulations Credit Portfolio Management:Manage the overall credit portfolio for the assigned area Develop strategies to optimize the balance between risk and revenue

You 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 analysis Conduct 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 profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience 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

About The Role Experience in credit/ operations in retail MFI loans/ unsecured loans. Prepare and present reports on credit-related activities to upper management. Good with excel and added advantage if good at MIS related application Oversee and guide the credit control team, providing training and support as needed. Capable of handling team of 8-10 credit officers independently. Team Handling and co-ordination Retails Ops candidate okay to evaluate Credit appraisal Implement and maintain the company"™s credit policies and procedures to minimize bad debt losses and optimize sales. Ensuring all credit operations comply with relevant laws and regulations.

About The Role Role Name Department Commercial Banking - Credit Monitoring & Strategy Location Mumbai Number of Positions 1 Reporting Relationships Vice President Position Grade Senior Manager Position Purpose : With the Bank"™s growing asset portfolio, there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions, on both threats and opportunities for growth, including specific references to individual borrowers and at group level; event-based impact analyses, tight monitoring of portfolio quality, timely identification of accounts that require closer monitoring, ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points. Portfolio Monitorin- Identify, manage and minimize shocks / stresses in the Credit Portfolio. Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities, involving the following ; Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports. Drill down to Industry / Sector performance. Correlate with Bank"™s portfolio on these major Industries / Sectors segments with direction on outlook. Maintaining subscription services, wherever necessary Preparation and monitoring of monthly EWS (Early Warning System) reports. Identify accounts under relevant categories, which need to be included under the EWS reporting, based on the overdue and churning and other such reports and other set identified parameters. Co-ordinate with Zonal / Regional, Business and Credit teams to analyze and update the latest information with relevance of such accounts. Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking). Note the directions / actionable made with regard to specific accounts, if any, and update the same to the concerned. Identify, analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted. Chartered Accountant Past experience of 3 to 5 years Strong analytical skills - ability to carry out economic analysis, build quantitative and financial models to project future performance thus requiring fluency in MS Office, Advanced MS Excel (Macros, V-lookup, Pivot)\ and MS Powerpoint Knowledge of Bank"™s internal data systems Finnacle, CORE, etc. Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to priyanka.lunawat@kotak.com Please mention the following in the subject line as "˜"Position Name" "Your Name" "Your Current Business Group"

About The Role Credit Manager-RELATIONSHIP BANKING GROUP-Credit JOB DESCRIPTION Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA Ensure qualitative portfolio

About The Role Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) in the Commercial Vehicle business 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 Job Requirements: 5 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

Affordable housing loan gram panchayat and Gautham property knowledge must. • Visiting business premise, property of customer at the time of PD in HL/Lap • Ability to understand customer business and requirement from their perspective Required Candidate profile Male Graduate with 2 - 5 years’ experience underwriting and sanction of home loan/LAP Understanding credit worthiness of customers observation & findings of PD gram panchayat and Gautham property

Role & responsibilities oversees the credit-granting process for an organization, ensuring timely payment collection and minimizing financial risks. They evaluate creditworthiness, set credit limits, and develop credit policies, collaborating with other departments like sales and finance.

Role & responsibilities To assess, evaluate review and approve credit proposals as a first level officer for the Wholesale Banking relationships which is referred to wholesale credit involving various products like Term Loans, Trade Finance, CC, ODs and PSR Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business teams in line with the banks risk appetite Partner with business, CAD, Operations and compliance teams to help in meeting regulatory compliance with respect to credit dispensation and monitoring including end use. To convey a clear opinion regarding the acceptability of the proposed transaction/ facilities, from risk point of view, covering business model, industry risk, structure, financial risk & regulations Meet business counterparts on a defined periodicity (monthly or otherwise) for reviewing Early Warning Signals and Close Monitoring. Focused house-keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team. To partner with business, CAD and operations and compliance To help review end use monitoring on defined periodicity (to be covered on a quarterly basis). To address issues/ responding to RBI auditors on credit matters. Appropriate level of client calling to develop strong understanding of client business and industry dynamics Preferred candidate profile Strong technical & analytical skills. Strong written and verbal communication & negotiating skills Expert knowledge in analyzing financial statements. Banking Product & Process Knowledge Understanding of accounting principles, banking & commercial laws and Regulatory Knowledge Excellent knowledge of competition & current trends in financial Industry .