7 Credit Portfolio Jobs

The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Roles & Responsibilities: Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms. Maintaining Credit TAT to ensure the growth of business. Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases. Conducting Random Visits in order to cross check the authenticity of the Contact point verifications. To manage post disbursement documents and partly disbursed cases. Maintaining credit MIS and various management reporting as required. Manage Audit compliance for the branch and support in other operational activities. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Education Qualification: Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience: 2 to 5 years of experience in credit.

The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Roles & Responsibilities: Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms. Maintaining Credit TAT to ensure the growth of business. Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases. Conducting Random Visits in order to cross check the authenticity of the Contact point verifications. To manage post disbursement documents and partly disbursed cases. Maintaining credit MIS and various management reporting as required. Manage Audit compliance for the branch and support in other operational activities. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Education Qualification: Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience: 2 to 5 years of experience in credit.

About this role: Wells Fargo is seeking a Credit Portfolio Consultant In this role, you will: Participate in less complex consulting services and identify opportunity for providing credit and portfolio expertise Identify and assess credit performance, as well as potential and emerging risks, and partnering on credit and portfolio strategies within the scope of responsibilities Review and analyze credit performance or credit portfolio that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables Present recommendations for resolving more complex situations and exercise independent judgment while developing expertise in credit consulting services Collaborate and consult with functional colleagues, internal partners, and stakeholders, including internal or external customers Work with business partners, provide analytic solutions, and develop strategies to support or negate change recommendations Required Qualifications: 2+ years of Credit Portfolio Consulting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications Experience in Credit Portfolio Consulting, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Role & responsibilities Analysis of historical loan data to understand the pattern from default point of view Apply statistical tool to analyze the pattern and come with detailed assessment Prepare risk dashboard for management which shows all important risk parameters Develop rating model/scorecard for various retail and corporate loans based on historical data Coordinate with various stakeholder for the rating model implementation Prepare and maintain database of loan product from risk assessment point of view Coordinate with IT team for the automation of credit approval process Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption interested candidate may share their resume on astha.pathak@utkarsh.bank.

The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Roles & Responsibilities: Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms. Maintaining Credit TAT to ensure the growth of business. Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases. Conducting Random Visits in order to cross check the authenticity of the Contact point verifications. To manage post disbursement documents and partly disbursed cases. Maintaining credit MIS and various management reporting as required. Manage Audit compliance for the branch and support in other operational activities. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Education Qualification: Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience: 2 to 5 years of experience in credit.

Job Purpose: This role is responsible to lead the development and oversight of credit policies for the Consumer Durable Loans portfolio. The ideal candidate will have a strong understanding of consumer lending risk, product-specific dynamics, and customer behavior in the consumer finance space, particularly within banks or NBFCs. Key Responsibilities: Develop and manage credit policies for Consumer Durable Loans across various products and geographies. Design rule-based or scorecard-driven underwriting criteria in line with risk appetite and market trends. Work closely with OEMs, retailers, and sales finance teams to align credit policies with business strategy. Monitor portfolio performance, delinquencies, and credit cost; recommend policy changes to maintain portfolio health. Leverage customer, bureau, and alternate data to refine segmentation and enhance decision accuracy. Coordinate with product, technology, and analytics teams to implement policies within digital and assisted journeys. Ensure compliance with internal credit standards, regulatory guidelines, and audit requirements. Conduct regular policy reviews and provide insights for new product launches or strategic partnerships. Job Requirements: Post Graduate / MBA 8+ years of experience in credit policy, preferably with exposure to Consumer Durable Loans in a Bank or NBFC Experience working with fintech partners or embedded finance models Understanding of retail merchant network dynamics and POS financing In-depth understanding of consumer durable finance, including EMI schemes, zero-cost financing, and manufacturer-led subvention models. Strong expertise in credit policy formulation, risk assessment, and scorecard development Experience with credit bureau data, partner integrations, and digital credit decisioning tools Strong analytical and communication skills with experience in cross-functional collaboration Proficiency in Excel, SQL, and analytics platforms (SAS, Python preferred)

Objective: To manage and monitor the credit portfolio across products, with a focus on Portfolio Risk, Vintage Risk, and Collection-linked portfolio performance, ensuring early identification of stress and supporting proactive risk mitigation strategies. Role & responsibilities Portfolio & Credit Risk Management Monitor portfolio health across vintages, delinquency buckets, and collection trends to identify emerging risks. Conduct in-depth credit risk analysis and vintage performance reviews; recommend corrective actions for underperforming segments. Track ECL (Expected Credit Loss), PD (Probability of Default) models, and other risk parameters to ensure accuracy and relevance. Ensure compliance with Basel norms and Ind AS 109 accounting standards. Data Analytics & Reporting Analyze large, complex datasets to derive actionable insights for senior management decision-making. Prepare CXO-level dashboards and presentations with key portfolio trends, risk commentary, and strategic recommendations. Regulatory & Governance Stay updated with RBI guidelines applicable to NBFCs and ensure portfolio practices align with regulatory requirements. Support internal and external audits with portfolio-related information and documentation. Collections Risk Integration Work closely with Collections to understand stress pockets, roll-forward trends, and recovery performance, linking insights to portfolio risk actions. Recommend strategies to control slippages, reduce NPAs, and improve resolution rates. Others Collaborate with Finance, Credit, Collections, Treasury, Data Science, and IT teams for key credit and financial data. Work with Head of Risk/ Portfolio Risk to prepare management commentaries on credit risk performance Preferred candidate profile 5+ years of relevant experience in Bank/ NBFC or related consultancy Familiar with Basel norms and Ind AS 109 Experience with ECL/ PD modeling and understanding of Credit Risk Lifecycle. Hands on experience with SQL, MS PowerPoint and advanced MS Excel Excellent written and verbal communication skills.