11 Credit Processes Jobs

The role of an Audit professional within the Group Audit team at DBS involves supporting the Board and Executive Management in achieving the strategic and operational objectives of the organization. As part of the team, you will conduct independent assessments to ensure the adequacy and effectiveness of the Group's risk and control processes. Your expertise will be crucial in serving as a trusted advisor to clients, particularly in matters related to internal controls. Your responsibilities will include executing audit planning and fieldwork for the Corporate Bank (CB) business/function area, adhering to the Audit methodology. This involves tasks such as conducting walkthroughs, identifying key risks, testing key controls, and documenting activities according to the bank's defined standards. You will collaborate with other audit teams to assess internal controls comprehensively across various areas, including compliance and financial crime risks. In this role, you will be expected to draft high-quality audit findings for review by Audit Leads, Team Lead, and Country Head of Audit. Building strong relationships with audit stakeholders through regular communication and monitoring meetings will be essential. Your ability to present complex messages, such as audit findings, concisely and professionally is crucial. Additionally, you will be responsible for conducting end-to-end audits of Credit processes, KYC/AML, and Global Transactions Services like Trade Finance. Planning and coordinating audits within established timelines, evaluating the effectiveness of processes and controls, and developing appropriate tests will be part of your day-to-day tasks. To excel in this role, you should possess a strong understanding of Credit Processes, Trade Finance, FEMA, and KYC/AML Controls in the Banking industry. Knowledge of Corporate Banking application controls and IT savviness, including familiarity with APIs and data analytics, will be advantageous. Excellent written and verbal communication skills in English, the ability to multitask, prioritize workload, and work well under pressure are essential. Personal integrity, ethics, and the ability to escalate issues promptly and clearly are highly valued qualities in this role. Keeping yourself updated on regulatory, industry, and product developments through continuous monitoring and auditing is necessary. Professional certifications such as CIA, ACAMS, CFE, or CDCS would be beneficial, along with experience in auditing within the banking sector and knowledge of Credit and Trade processes. The primary location for this role is in Maharashtra, Mumbai, and it is a full-time position with a regular schedule. If you are looking to join a dynamic team and contribute to the audit function of a leading organization, this role offers an exciting opportunity to grow and make a meaningful impact.,

As a Business Development Manager at our finance company based in Trichy, you will play a crucial role in driving business growth by acquiring new clients, establishing strategic partnerships, and promoting our diverse range of financial products and services, including personal loans, business loans, vehicle loans, mortgage finance, and other lending solutions. Your success in this role will rely on your strong networking abilities, in-depth market knowledge, and proven track record in achieving revenue and client acquisition targets. Your responsibilities will include identifying and cultivating new business opportunities for our loan and finance products, developing and implementing effective sales strategies to meet monthly and annual targets, nurturing lasting relationships with clients, channel partners, and business associates, educating customers on various loan products and their benefits, negotiating and finalizing business deals to ensure profitability and customer satisfaction, as well as collaborating with internal teams to streamline application processing. Additionally, you will be tasked with conducting market research to stay abreast of competitors, customer needs, and emerging trends, representing the company at industry events, and preparing regular sales reports and forecasts for management review. To excel in this role, you should possess a strong understanding of loan products, credit processes, and financial services, coupled with exceptional communication, negotiation, and interpersonal skills. A proven background in sales and business development within the finance sector, the ability to foster long-term client relationships, self-motivation, target orientation, problem-solving capabilities, and proficiency in CRM software, MS Excel, and reporting tools are also key competencies required. Ideal candidates will hold a Bachelor's degree in Finance, Business Administration, or a related field, along with at least 3-5 years of relevant experience in business development or sales within a finance company, NBFC, or bank. A sound understanding of financial products, credit policies, and market dynamics is essential to thrive in this role. In return, we offer a competitive fixed salary along with attractive incentives and commissions, travel and client engagement allowances, as well as medical and insurance benefits. This is a full-time position based in Trichy, and proficiency in English is preferred. If you meet the specified qualifications and are ready to take on this challenging yet rewarding opportunity, we invite you to apply and become a valuable member of our dynamic team.,

As the Head of Retail & Channel Finance, you will play a crucial role in leading the development and execution of our financing strategy across various regions. Your responsibilities will include driving retail loan penetration, expanding financier networks, designing consumer financing schemes, and providing working capital and inventory funding solutions to channel partners. Your expertise in automotive finance, both traditional and electric vehicles, will be instrumental in enabling sales through effective financing solutions. Your key responsibilities will involve: 1. **Retail Finance Strategy & Execution**: - Designing and implementing innovative retail finance schemes in collaboration with NBFCs, banks, and fintech companies. - Launching digital retail finance solutions to enhance customer experience and loan processing speed. - Negotiating and securing monthly and festival-based schemes to boost loan affordability and sales volume. - Monitoring retail penetration rates and optimizing performance based on insightful MIS data. 2. **Channel Finance & Dealer Funding**: - Establishing inventory funding tie-ups to support dealer working capital requirements. - Ensuring timely credit availability and managing exposure across dealer networks. 3. **Financier Relations & Onboarding**: - Leading partnerships with national and regional NBFCs/Banks for retail and channel financing. - Executing MOUs and policy documents while ensuring compliance with business terms and standards. - Expanding reach by onboarding new financiers and digital lending partners. 4. **Sales Enablement & Dealer Support**: - Collaborating with regional sales and dealer teams to address finance-related challenges. - Conducting training programs for dealership finance executives and inside sales teams. - Driving participation in loan events, financier meetings, and joint promotional campaigns. 5. **Reporting, Analysis & Compliance**: - Developing and maintaining detailed MIS dashboards for tracking financier performance and scheme utilization. - Providing periodic insights to sales leadership for informed decision-making. - Ensuring documentation, compliance, and audit-readiness of all financing arrangements. Your key skills and competencies should include expertise in Retail & Channel Finance, strong stakeholder management skills, negotiation abilities, understanding of credit processes, proficiency in MIS creation and analytics, leadership experience, and excellent communication and problem-solving skills. In terms of qualifications and experience, a Graduate/Postgraduate degree in Finance, Business Administration, or related fields along with a minimum of 10 years of experience in automobile finance, BFSI, or mobility sectors will be essential. Exposure across multiple regions in India and a strong understanding of regional business nuances will be advantageous. Preferred industry backgrounds include Automobile (2W, EV), NBFC/Banking/FinTech, Mobility Platforms, and BFSI with specialization in auto loans.,

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