8 Credit Processes Jobs

URGENT HIRING FOR - SALES TEAM LEADER Preferred immediate joiner email - [HIDDEN TEXT] contact no. - 7415074707 Location - Mumbai Experience - 2-5 years of experience Salary - Upto 5 LPA Job Summary: We are seeking a proactive and performance-oriented Sales Team Leader with strong experience in the loan and DSA (Direct Selling Agent) ecosystem. This role involves leading a team of loan sales executives to meet sales targets through DSAs and direct sourcing. The ideal candidate must have hands-on experience in the loans industry, a strong understanding of credit and documentation, and the ability to drive highperforming sales strategies. The Sales Team Leader will also be responsible for coaching the team, maintaining compliance, and achieving monthly business goals. Key Responsibilities: A. Team Leadership & Target Achievement Lead and supervise a team of sales executives across loan products (Personal, Business, Home Loans, etc.). Set and monitor individual and team sales targets. Motivate and guide the team toward consistent achievement of targets and productivity. B. Channel & DSA Management Source business through DSA channels, referrals Build and maintain strong relationships with DSAs and other sales partners. Ensure proper onboarding and training of new DSAs and agents. C. Sales Execution & Customer Management Guide the team through the sales process from lead generation to file login and disbursal. Resolve escalations and ensure smooth customer experience throughout the loan lifecycle. Support in documentation and KYC collection processes. D. Reporting & Coordination Monitor and review daily sales activities, pipeline status, and lead conversions. Prepare MIS reports and daily dashboards for internal tracking and review. Coordinate with internal teams (Operations, Credit, and Disbursement) for smooth process flow. Required Skills & Qualifications: Gender: Male / Female (Both are eligible) Experience: Minimum 24 years in loan sales with strong exposure to DSA models Proven experience in products like Personal Loans, Business Loans, or Home Loans Strong communication, leadership, and field sales skills Basic understanding of credit processes and financial documentation Comfortable with achieving aggressive monthly sales targets Soft Skills: Goal-oriented and team leadership abilities Strong interpersonal and negotiation skills Problem-solving attitude and hands-on field management style Ability to thrive under pressure in a target-driven environment email - [HIDDEN TEXT] contact no. - 7415074707 Show more Show less

As a Credit Underwriter, your primary responsibility will be to implement and manage credit processes for the business. This includes appraising proposals, monitoring the existing portfolio, and maintaining turnaround time for deal evaluation and processing. You will also be involved in preparing MIS reports, implementing credit policies, and conducting credit underwriting. A crucial aspect of your role will involve client interaction, including meetings and unit visits. You will be expected to provide internal customer service by addressing credit and compliance issues promptly and effectively. Close coordination with sales, collection, and operations teams will be essential to drive business growth and maintain a quality portfolio. To excel in this position, you should hold a Diploma, Degree, or MBA qualification. Your attention to detail, analytical skills, and ability to work collaboratively with cross-functional teams will be key to success in this role. If you are a proactive and results-driven professional with a passion for credit management, we encourage you to apply for this exciting opportunity.,

Drive B2B sales, build client relationships, close large deals, lead market expansion, and mentor sales teams. Collaborate cross-functionally, manage credit processes, and represent the company at industry events. Onsite role in Gurugram.

As a Senior Director in the Credit Risk Review Group (CRRG), you will have the key accountability of reviewing and approving credit analysis conducted by junior team members. You will independently conduct end-to-end reviews of individual exposures when necessary. Your role will involve presenting analysis to senior management and peers, providing independent and contrasting views, and leading credit reviews and projects assigned within the CRRG Annual Plan. Additionally, you will support the Head of CRRG in plan development, work with co-Directors on credit review methodologies, and engage in reviews outside of corporate credit. Interface with regulators, manage portfolio monitoring, maintain stakeholder relationships, and produce commentary for senior management and governance committees. You will lead training sessions for the team on corporate credit and leveraged lending, contribute to the personal development of junior team members, and manage projects related to corporate credit. Essential skills for this role include a minimum of 12 years of financial services experience, particularly in investment or corporate banking, and at least 5 years of experience in credit sanctioning, underwriting, or credit risk within a large financial institution. You should also have 5+ years of experience in people management, project leadership, or consulting. Desirable skills and qualifications include expertise in corporate credit analysis, strong organizational skills, professional qualifications in finance or a risk-related discipline, and excellent communication skills. It is preferred that you have knowledge of industry sectors such as Technology/Media/Telecommunications, Industrials, or Natural Resources, and familiarity with credit processes, loan underwriting standards, and credit risk models. Holding senior-level credit approval authority and relevant certifications would be advantageous. The purpose of this role is to support the Risk Function in safeguarding the bank's financial and operational stability by identifying, assessing, mitigating, and monitoring risks across various business units. Your responsibilities include developing strategic risk direction, managing the risk department, and maintaining relationships with risk stakeholders. You are expected to provide expert advice, manage resources, adhere to risk policies, and influence decisions at a senior level. Demonstrating leadership behaviours and upholding Barclays values and mindset are essential for all colleagues in this role.,

Role & responsibilities Responsible for credit appraisals- loan applications of Commercial Vehicles. Responsible to maintain quality portfolio Responsibility to deliver the credit assessment target within specified Turn around Time Responsible for Audit and Regulatory compliance for the Location. Assist RCM with coordinating / managing RCU & verification vendors Take sound lending decisions based on available information &interactions with the applicants To interact closely with other functions such as sales / Operations/Collections / Policy/etc. in ensuring smooth day to day functioning at Location. Maintain the Database and making reports for Monthly cases Coordinating with agencies for proper sampling / screening of files for fraud prevention Managing performance in terms Cost of credit administration. Preferred candidate profile Graduate / Postgraduate 4-5 years experience in Credit/Underwriting of Secured/Unsecured products Ability to manage credit processes & teams

GRADE-SM DEPARTMENT-Credit SUB-DEPARTMENT-Micro Banking & Rural Banking REPORTS TO -Area Credit Manager REPORTING INTO-Officer Credit MB Unsecured ROLE PURPOSE & OBJECTIVE This role is responsible to manage credit policies and processes are followed for GL unsecured loans in the region and Manage that the processes/policies are effectively managed on the field. The role incumbent will maintain processing / underwriting of the GL loans in line with regulatory guidelines and internal policies with zero errors and facilitate Prudent Credit Decisions on exceptional cases based on data points SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Monitors portfolio and ensure good portfolio quality of around Rs. 200 to 300 Cr (both GL and IL) IL Disbursement of Rs. 12-15 Cr in a month through team Handles team of 6-8 members directly or indirectly Support business of 10-12 Branches in the region KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business: Manage if the Policies and Processes are effectively followed in the field by Distribution and Credit Train and Certify HV and GRT Person on Policy and Process revision Provide feedback about the Policy and Process based on the Field Understanding Conduct Area Surveys and Cross check as and when required Review the Negative areas regularly Rollout of new technology across all the branches Conduct GRTs/HV on sample basis to understand the ground realities. Identify and highlight issues / deviations in the field for necessary action Escalate field issues with respect to customers, field issues and competition Take necessary steps to Manage Good Portfolio quality while underwriting the loans Manage the data and reports are effectively used for managing team and Risk in the field Visit Overdue cases, understand the issues and prepare reports or case studies Follow up for collections in the early bucket Prepare action plan for critical Overdue cases for collections Initiate write-off of non-recoverable accounts as per the defined policy and process Supervise 6-8 Credit Officers in the field. Manage Internal and External Risk assessment is being done for all the branches Co-ordinate with Distribution team for effective utilization of the resources Provide Audit compliances timely for the internal and external audits Recommend credit policy changes based on field insights to the senior management Involve in Areas Surveys, Area Cross check and review of Negative areas Train Distribution and Credit on the policy and processes, new technology changes etc. Engage with Audit and Risk team to monitor credit risk and participate in audit closure meeting Escalate field issues and Manage actions are taken as per defined Penalty Matrix Manage healthy branch portfolio through regular follow-ups and visits with delinquent / critical clients Visit FTODs, Non-starters, and prepare action for collection Execute action plan for high risk / poor scoring branches along with Distribution team Co-ordinate with other departments for effective risk management Supervise a team of 6-8 Team Lead and / or Credit Officers-IL at field Recruit good Officers and build strong Credit team in the field Customers: Work with CRM and Branch Head for effective implementation of Credit Policies and utilization of resources in the field Engage with Branch Head and State HR for trainings and refresher trainings Work with Auditors, Audit Officers and Vigilance Officers for identification of deviations in the field and to take necessary actions Discuss with Customer and staff to Understand the Customer and Field staff requirements while framing the policies and processes Engage with customer and staff to understand the customer and field staff requirements while suggesting for changes in policies and processes Co-ordinate with Branch Head & Collections Officer for effective collections management Manage credit team provides good service to customers through efficient processing of applications Recommend the right product and loan amount to the right customer Internal process : Manage adherence to all regulatory norms with respect to KYC & Documentation and Customer Selection Manage adherence to all internal policies & processes with respect to Credit Manage approvals in field are within defined Credit TAT of Group Loans Manage that the Issues and deviations are escalated appropriately to the concerned department and supervisors Highlight system risks associated with branches / areas Report/ Escalate critical issues at field in IDM / Risk Review Manage appropriate action against non-starter loan originators Manage timely & accurate submission of daily, weekly & monthly reports Learning & Performance: Train and handhold Credit Officers, CRMs and Branch Head. Monitor daily performance of the Credit Officers Monitor performance of staff against defined goals/metrics and take corrective action Manage goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees Manage adherence to training man-days/ mandatory training programs for self and reportees Manage overall staff satisfaction as per Great Place to Work Survey Manage timeliness & discipline among team & cordial relationship with IL Team Identify training needs to support the business and Provide the training with good resources Manage necessary feedback is given to team on regular basis. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Degree or Post Graduate in Commerce, Business Administration, Economics, Science or MBA/PGDM Experience (Years and Core Experience Type) 3-4 Years in Field Credit or Sales, Preferably with Team Handling Experience

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 2-7 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, analysis, and reporting. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in financial modeling and data analysis tools. Strong analytical and problem-solving skills. Experience working in the BFSI industry is preferred.

Oversee microfinance operations, ensuring growth and portfolio quality. Lead a team of field officers to disburse JLG/SHG loans in rural/semi-urban areas. Monitor repayment collections and maintain NPA levels below X%. Conduct community meetings to build trust and explain product benefits. Ensure adherence to RBIs microfinance regulations and fair practices code. Collaborate with NGOs/agencies for financial literacy programs. Manage cash handling, disbursements, and branch security protocols. Recruit and train field staff on credit processes and customer engagement. Address grievances related to recovery practices sensitively. Submit weekly reports on disbursements, repayments, and client feedback. Skills Sales Highest Education Bachelor of Engineering Working Language Tamil English