618 Credit Policy Jobs - Page 22

Roles and Responsibilities Manage a team responsible for credit underwriting, analysis, approval, and policy management. Review and analyze credit proposals from various sources (direct, indirect) to assess risk. Conduct thorough credit checks on customers using Cibil data, banking statements, income documents, etc. Develop expertise in commercial vehicle loans, fleet credit, used car loans, four wheeler loans, retail assets, auto finance products. Ensure compliance with regulatory requirements and internal policies related to credit risk management. Desired Candidate Profile 3-8 years of experience in Credit Management or similar role in NBFCs or banks dealing with Retail Assets/Auto Loans/Commercial Vehicles. CA/MBA/PGDM degree required; relevant certifications like IRDA/NCFM preferred but not mandatory. Strong understanding of Indian financial markets and regulations governing lending activities.

: Job Titl eCredit Officer, AVP LocationMumbai, India Role Description Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DBs exposure in mind. Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposureUpdating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs. Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DBs exposure and timely completion of the credit reviews. Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies. Ensure compliance with relevant and applicable local and global regulatory and policy requirements Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting Strong analytical skills, knowledge of financial markets and economic/industry trends Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

Job Information Job Opening ID ZR_1776_JOB Date Opened 24/03/2023 Industry Technology Job Type Work Experience 3-5 years Job Title Credit Manager City Bangalore Province Karnataka Country India Postal Code 560102 Number of Positions 1 Prepare credit appraisal memorandum for approval Portfolio quality management to ensure lower delinquency ratio Maintain productivity and TAT as per prescribed norms Personal Loan/Home loan/LAP/term loan relevant CPA experience 3-4 Years Knowledge about CIBIL check(event) ; career-website-detail-template-2 => apply(record.id,meta)" mousedown="lyte-button => check(event)" final-style="background-color:#2B39C2;border-color:#2B39C2;color:white;" final-class="lyte-button lyteBackgroundColorBtn lyteSuccess" lyte-rendered=""> I'm interested

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 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 underwriting 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 financial modeling and data analysis tools. Experience with credit management systems and technologies.

Role & responsibilities Key highlights of the role are listed below (purely indicative and not limiting): This position is responsible managing the day to day functioning of the department. The role and responsibilities of this position includes: Document BRD for any change request to launch any new campaign/partnership System implementation of credit policies and procedures to ensure creditworthiness and minimize risk of financial loss Test Data creation for UAT of Business Rules defined Conducting UAT of BRE ensuring and Sign off for deployment Quality check of policy implementations Collaborating with relevant stakeholders including Partners, Business Team, Operations, tech and other support team to implement policies Compliance and regulatory adherence: stay updated on evolving credit regulations and ensure the credit operations comply with relevant laws and industry standards. Applicants should possess the following attributes: Preferred experience in Credit Risk, policy implementation in LOS Strong hold in MS Excel and PowerPoint presentations Basic knowledge of SQL/Python or other related language will be an added advantage Experience in BRE implementation, UAT, and understanding of Delinquency management Understanding of Bureau reports in relation to customer profile and various risk alerts Ability to analyze situations from a long-term perspective and make informed, high-impact decisions. Understand the complex issues and come up with mitigants/solutions Understanding of systems, processes, functions and regulations in lending business Excellent interpersonal, communications and presentation skills with ability to work cross-functionally, across different business areas and hierarchy, and to synthesize detailed information.

Cantor Fitzgerald is looking for Analyst 1 - Document Imaging 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.

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. Under Graduate/ Graduate in any discipline

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. Under Graduate/ Graduate in any discipline

The Credit Risk Management role involves working with relevant technologies, ensuring smooth operations, and contributing to business objectives. Responsibilities include analysis, development, implementation, and troubleshooting within the Credit Risk Management domain.

Responsibilities Credit Assessment : Evaluate the creditworthiness of loan applicants for used car loans. Portfolio and RC Management: Monitor and manage the loan portfolio and RC limits of the channels to minimize delinquencies and losses. Regulatory Compliance : Ensure all lending activities comply with regulatory requirements. Risk Management : Develop and implement strategies to mitigate credit risk. Preferred candidate profile Education : Master's degree in Finance/ Accounting or a Qualified CA Experience : Minimum 4 years of experience in used car loans, preferably in a credit management role.

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: Maintaining the positive relationship with stakeholders through appropriate management of expectations and objectives, ensuring consistent and effective communication. Managing and developing relationships with external stakeholders by delivering value, consistency, quality, and reliability in communications and collaborations. Developing alliances and interactions with French and European trade associations and key strategic stakeholders, including local authorities and government agencies. Supporting corporate communications efforts, including coordinating with ENGIEs head office in Paris for messaging, branding, and stakeholder outreach. Monitoring key industry events and, ensuring ENGIEs participation at appropriate levels to enhance visibility and influence. Planning and coordinating major events and high-level engagements, including those involving ENGIE senior management and senior government officials in India. Facilitating strategic alliances and partnerships by interfacing with external companies, trade organizations, and industry associations to foster collaboration, such as MoU's. Additional Responsibilities: Driving internal and external reporting on CSR and sustainability projects, including collaboration with ENGIEs ESG team to align with corporate goals. Supporting business development, Regulatory and project expansion teams, ensuring alignment with ENGIEs strategy and objectives. Will handle the Invoicing, NFA, payment disbursement activities, etc. Implementing processes for tracking and documenting progress on stakeholder engagements, providing regular updates and recommendations to senior management.

Primary Responsibility: - Credit analysis of financial instruments in the BFSI sector for Securitized Transactions - Financial analysis and ability to make financial projections, of the financial instruments - Analytical rigor in the presentations to the rating committees - Maintain excellent quality in the analysis and to be up-to-date on the market/industry information and suitable and need-based rating actions - Interact with company management, auditors, bankers, and other lenders and visit companies and factories as part of regular monitoring and data gathering. - To take ownership of the folio by carrying out regular surveillance, monitoring, and reviews every quarter/ material event basis, tracking the performance of the companies concerning macroeconomic changes, and handling internal and external audit queries. - Strictly adhere to standard operating procedures, regulations and policies. - Adept in meeting tight deadlines with no compromise on analytical quality - Client interaction and managing good relations Competency / Skills: - Analytical expertise in the Securitized Transactions segment including financial modeling, ratio analysis, and industry knowledge. - Updated with the latest regulatory guidelines and circulars, especially in Structured Finance Products. - Excellent verbal / written communication and presentation skills. Proficiency: - Strong domain knowledge in credit assessment in the BFSI sector - Securitization - Strong analytical, quantitative, and presentation skills to present the facts along with rating recommendations to the rating committees. Experience: - 5 to 8 years of work experience in credit rating of corporates Location Preference: Mumbai, Bangalore

We are looking for a highly skilled and experienced Branch Relationship Executive to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1 to 6 years of experience in the BFSI industry, preferably with a background in sales or customer service. Roles and Responsibility Develop and maintain strong relationships with existing customers to increase business growth. Identify new business opportunities and generate leads through effective sales strategies. Collaborate with internal teams to resolve customer complaints and issues promptly. Provide excellent customer service to ensure high levels of customer satisfaction. Analyze market trends and competitor activity to stay ahead in the market. Build and maintain a strong understanding of the bank's products and services. Job Requirements Strong communication and interpersonal skills are essential for building rapport with customers and colleagues. Ability to work in a fast-paced environment and meet sales targets consistently. Knowledge of banking operations and procedures is required. Experience in customer relationship management and sales strategy development is preferred. Strong problem-solving skills are needed to analyze complex problems and develop effective solutions. Ability to work collaboratively as part of a team to achieve common goals.

We are looking for a highly motivated and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 0-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Build strong relationships with customers and stakeholders. Monitor and report on credit performance metrics. Collaborate with cross-functional teams to achieve business objectives. Job Requirements Strong knowledge 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 management software and systems. Strong attention to detail and organizational skills. Location : - Buldana,Akola,Nagpur,Nashik

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 3 to 8 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals to expand the client base. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue and cross-sell products. Collaborate with internal teams to resolve customer queries and issues promptly. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Proficiency in MS Office and other relevant software applications.

We are looking for a highly skilled and experienced Branch Relationship Executive to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-4 years of experience in the BFSI industry, preferably with a background in sales or customer service. Roles and Responsibility Develop and maintain strong relationships with existing customers to increase business growth. Identify new business opportunities and generate leads through effective sales strategies. Collaborate with internal teams to resolve customer complaints and issues promptly. Provide excellent customer service to ensure high levels of customer satisfaction. Analyze market trends and competitor activity to stay ahead in the market. Build and maintain a strong understanding of the bank's products and services. Job Requirements Any Graduate degree from a recognized university. Proven experience in sales, marketing, or customer service in the BFSI industry. Excellent communication, interpersonal, and problem-solving skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and organizational skills with attention to detail. Familiarity with banking operations and procedures is an advantage.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely repayment of loans. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Proficiency in using technology and software applications.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-4 years of experience in the BFSI industry, preferably with a background in Mutual Funds. Roles and Responsibility Develop and maintain strong relationships with clients to understand their financial goals and provide tailored investment solutions. Conduct thorough needs analysis to identify client requirements and offer personalized advice on mutual fund investments. Collaborate with internal teams to ensure seamless execution of trades and settlement processes. Provide exceptional customer service by responding promptly to client inquiries and resolving issues efficiently. Stay up-to-date with market trends and regulatory changes to remain competitive and compliant. Identify new business opportunities through networking, referrals, and other channels. Job Requirements Proven experience in relationship management within the BFSI industry, preferably in mutual funds. Strong knowledge of financial products, including mutual funds, and their applications. Excellent communication and interpersonal skills to build strong client relationships. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills to analyze market trends and provide informed advice. Proficiency in using technology-based tools and platforms to manage client portfolios.

We are looking for a highly motivated and experienced Branch Sales Manager to lead our retail mortgage team. The ideal candidate will have 2-6 years of experience in sales management, preferably in the BFSI industry. Roles and Responsibility Develop and implement effective sales strategies to achieve business objectives. Lead and manage a team of sales professionals to meet targets. Build and maintain relationships with key stakeholders, including customers and partners. Analyze market trends and competitor activity to identify opportunities. Collaborate with cross-functional teams to drive business growth. Monitor and control expenses to ensure profitability. Job Requirements Proven track record of achieving sales targets and leading high-performing teams. Strong knowledge of retail mortgages and the BFSI industry. Excellent leadership, communication, and interpersonal skills. Ability to analyze data and make informed decisions. Strong problem-solving and negotiation skills. Experience working in a fast-paced environment and meeting deadlines.

We are looking for a highly motivated and experienced Business Development Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 3 to 8 years of experience in the BFSI industry, preferably in used car finance. Roles and Responsibility Develop and implement effective business strategies to achieve sales targets. Build and maintain strong relationships with clients and stakeholders. Conduct market research and analyze competitor activity to stay ahead in the market. Collaborate with cross-functional teams to drive business growth. Identify and mitigate risks associated with business development activities. Monitor and report on business performance metrics. Job Requirements Strong knowledge of the BFSI industry, particularly in used car finance. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with financial institutions is an advantage. Ability to think creatively and develop innovative solutions. Any graduate can apply for this position.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 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 underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Strong attention to detail and organizational skills. Experience with credit management software and systems.

We are looking for a highly motivated and results-driven Tele Calling Executive to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have excellent communication skills and the ability to work in a fast-paced environment. Roles and Responsibility Handle customer inquiries and resolve issues professionally. Make outbound calls to promote products and services. Build strong relationships with customers through effective communication. Meet or exceed sales targets consistently. Provide exceptional customer service and ensure satisfaction. Collaborate with internal teams to achieve business objectives. Job Requirements Any graduate degree from a recognized university. Proven experience in telecalling or telemarketing is required. Excellent communication and interpersonal skills are essential. Ability to work in a target-oriented environment and meet deadlines. Strong problem-solving skills and attention to detail are necessary. Familiarity with banking products and services is an added advantage. For more information, please contact us at EQU/TCE/1364813.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. 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 and mitigate potential 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 understanding of credit principles, including credit scoring and risk assessment. Excellent analytical and problem-solving skills, with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build relationships. Proficiency in financial modeling and data analysis tools. Experience working in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Develop and implement effective credit risk management strategies. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify growth opportunities. Build and maintain strong relationships with customers and stakeholders. Ensure compliance with regulatory requirements and industry standards. 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. Experience with credit management software and systems. Strong attention to detail and organizational skills.