1138 Credit Policy Jobs - Page 20

JOB PURPOSE:Responsible for Area Credit Manager of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting propo...

Role & responsibilities Define and manage the product roadmap for Micro LAP / Secured Business Loans. Design product features, pricing, documentation requirements, and workflows tailored to micro and informal MSME segments. Benchmark offerings against competitors and evolving market needs. Collaborate with credit and risk teams to structure eligibility criteria, LTV norms, collateral guidelines, and deviation frameworks. Ensure full compliance with RBI regulations and internal policy standards. Monitor key portfolio metricsdisbursements, yields, delinquencies, and cross-sell performance. Use analytics to optimize pricing, risk parameters, and product structures. Drive initiatives to improve ...

As a Risk & Credit Manager, you will be responsible for leading our credit risk strategy, adjudication processes, and decision models. Your expertise in credit policy and underwriting, combined with hands-on experience in advanced risk analytics and machine learning algorithms, will be crucial in strengthening our risk management framework. You will drive data-driven decision-making and implement scalable credit strategies that balance growth with robust portfolio quality. Your key responsibilities will include overseeing and improving credit adjudication policies, designing and monitoring machine learning-based credit risk models, building portfolio monitoring dashboards, and using actionab...

You will be responsible for managing Credit-Operations activities for retail mortgage loans, including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches. As a Credit-Operations Manager, your primary role will involve ensuring 100% process adherence, quality checks in line with credit policy, and compliance. You will act as a bridge between Credit and Operations teams to guarantee seamless loan processing. Your core responsibilities will include overseeing End-to-End Credit & Operations with a deep understanding of credit policy and processes. You will supervise and manage the login of loan applications, ensuring all required d...

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.

Job title: Analyst - Capital Formation Band: B1 Analyst Location: Gurugram (Hybrid) Experience Range: Minimum 1.5 years Shift Timings-: 12:00 PM - 9:30 PM IST / 2:00 PM 11.30 PM IST We are seeking a highly motivated Analyst to join our Capital Formation & Direct Lending team within client. As an integral part of our team, you will gain exposure to a diverse portfolio of Private Credit investments and play a pivotal role in supporting the NY stakeholders in preparing Surveillances and portfolio reviews for our clients. Responsibilities: Work as part of a team-based structure and assist the NY analyst in running Hypos to finalize allocations for each Asset class and Funds. Undertake multiple a...

Essential - 3-5 Years in retail lending space in risk and policy role preferably with background in secured underwriting. Desired - 5 - 8 Years in retail lending space in risk and policy role preferably with background in secured underwriting.

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline 1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers. 2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework 3. Assess customers sourced by the Sales team...

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 r...

Key Objective of the Job: Handling the Proposal Sanction Management Process of the branches. Key Deliverables: Ensure the credit policy implementations. Quality CAM making and updation along with Tele Verification & Report in cases. Manage and supervise CPA/ FI agency/ valuation agency operations. Ensure quality portfolio of the branches within the set parameters of non-starters. Conduct training for FI/CPA/ Channels and cross verticals at regular intervals. Visit Channels/ Branches and customers at regular intervals. Education Qualification: MBA / CA/ ICWA/ CS/ M.com/ B.Com. (Hons.) Specialized job competencies: Functional Competencies Process-Orientation Team Skills Basic understanding of ...

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. Location: Mumbai,New Delhi,Pu...

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches.Credit-Operations Manager will ensure 100% process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. core Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process.Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.Ensuring gating re...

Job Purpose Support and co-partner with the sales team to underwrite mortgage business and manage the portfolio of respective zone. Responsibilities Core Responsibilities: Own theentirecreditunderwriting process for his/her zone, including the consistent application of acreditpolicy, periodiccreditreviews of existing customers, early warning and delinquency management and the assessment of thecredit-worthiness of potential customers. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework Assess customers sourced by the Sales team as per thecreditpolicy, determine deviations an...

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.

The key deliverables for this role include building the Credit and Operations functions in the Company, which involves underwriting, transaction documentation, disbursements, banking operations, and regulatory compliance & reporting (such as CERSAI, Credit Bureaus, etc.). You will be responsible for leading a team of Credit & Operations Officers, managing the quality & delivery turnaround of loan proposals, enabling business growth, and providing relevant inputs for the creation/refinement of the Credit policy. Additionally, you will drive and support various miscellaneous initiatives related to risk, credit, business, and technology as required. The ideal candidate for this position should ...

ROLE PURPOSE & OBJECTIVE Underwrite Micro Mortgage in both SFB and URC branches Sanction or recommend loans up to Rs. 10 Lakh with proper justification based on the product features and credit policy matrix Ensure credit policies and processes of secured products of Micro / Rural banking vertical are followed effectively by branch staff Coordinate with legal and technical vendors for their expert opinion reports Ensure Legal opinion and technical valuation reports are interpreted properly while sanctioning these secured loans Interpretation of Property documents (Residential/commercial property), aware of the property value as per market and government value for LTV Conduct the risk assessme...

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 to 4 years of experience in the field. Roles and Responsibility Manage and process credit applications, including housing loan and affordable housing. Conduct thorough credit assessments and risk analyses to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Collaborate with internal teams to ensure seamless credit processing and disbursement. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing stra...

ROLE PURPOSE & OBJECTIVE This role is primarily responsible for underwriting high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower and unsecured loans of the microfinance and rural business vertical The incumbent works on maintainingsuccess and growth of products by adhering to defined policy and process for loan approval and credit policies and processes are followed effectively by sourcing staffs and appraisers. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE IL Disbursement of Rs. 2-3 Cr in a month and manage IL portfolio of 12-15 Cr. Support IL business of 3-4 Branches KEY DUTIES & RESPONSIBILITIES OF THE ...

Primary Responsibilities: Credit Management Policy ProcessesMaintains Credit policy and process adherence in the Branch Coordinate with Legal Technical AgenciesUnderwriting Carry out detailed business analysis and recommend a proposal to the delegated authority Visit each case within prescribed TAT Prepare CAM and Financial Analysis for the caseVisit neighbours suppliers customers for the reference checksVisit property and conduct due diligence in identifying the property Location: Akurdi,Borivali,Chowk,Morbi,Pimpri, Ahmedabad,Ambarnath,Anand,Aurangabad,Vadodara,Bhavnagar,Bhiwani,Bhusawal,Chandrapur,Dombivli,Gandhidham,Gondiya,Himatnagar,Hyderabad,Jalgaon,Jalna,Jamnagar,Kolhapur,Latur,Mehsan...

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 to 4 years of experience in the BFSI industry, with expertise in credit management and analysis. Roles and Responsibility Manage and analyze credit data to identify trends and opportunities for growth. Develop and implement effective credit strategies to drive business expansion. Collaborate with cross-functional teams to ensure seamless execution of credit operations. Conduct thorough credit risk assessments and provide recommendations for approval. Monitor and report on credit performance metrics to senior management. Identify and mitigate poten...

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, preferably with a background in inclusive banking, mortgages, or credit. 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 relevant products and services. Job Requirements Str...

We are looking for a highly motivated and detail-oriented Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 0-1 years of experience in the BFSI industry, with a strong background in credit management and analysis. Roles and Responsibility Manage and analyze credit data to identify trends and areas for improvement. Develop and implement effective credit risk management strategies. Conduct thorough credit assessments and provide recommendations to senior management. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to optimize credit operations and improve e...

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 Inclusive Banking, SBL, Mortgages, and Credit. 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. Jo...

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 14 years of experience in the BFSI industry, with a strong background in credit management and emerging enterprise banking. Roles and Responsibility Manage and oversee the credit function of the branch, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit strategies to drive business growth and profitability. Build and maintain relationships with key stakeholders, including customers, partners, and internal teams. Conduct thorough credit assessments and risk analyses to identify potent...

We are looking for a skilled Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 5-6 years of experience in the BFSI industry, preferably with a background in inclusive banking, mortgages, and credit. Roles and Responsibility Manage and process credit applications, ensuring compliance with regulatory requirements. Conduct thorough credit assessments and risk analyses to determine client creditworthiness. Develop and maintain relationships with clients, providing excellent customer service and support. Collaborate with internal teams to identify and mitigate potential risks associated with credit lending. Stay up-to-date with industry trends and develo...