433 Credit Processing Jobs

The Indian Hotels Company Limited is looking for Credit Manager to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities Disclaimer: This job description has been sourced from a public domain and may have been modified by Naukri.com to improve clarity for our users. We encourage job seekers to verify all details directly with the employer via their official channels before applying. Behavioural Competencies Process Excellence Result Orientation Collaborative Engagement Change Championship Growth Mindset Talent Enrichment Guest Centricity

Role & responsibilities Credit Underwriting and Credit Management Preferred candidate profile Should have relevant Credit experience in HL/LAP Please share resume at surbhi.tekriwal@aavas.in

Responsibilities: Evaluate and underwrite LAP proposals for MSME segment Conduct detailed credit analysis, financial statement review, and risk assessment Ensure adherence to credit policy and compliance guidelines Collaborate with sales and operations teams for smooth loan processing Maintain high-quality portfolio with strong focus on credit hygiene Desired Candidate Profile: Experience: Minimum 5+ years in LAP underwriting (MSME segment) Location: Pune (candidates from Pune preferred) Immediate joiners will be given priority

Prepare eligibility CAM for all high value loan proposals.Prepare of one pager note. Tele PD or In person PD with clients if required..Maintain and update all banks policy and share the bullet points with all stake holders.

About The Role Role Name Department Commercial Banking - Credit Monitoring & Strategy Location Mumbai Number of Positions 1 Reporting Relationships Vice President Position Grade Senior Manager Position Purpose : With the Bank"™s growing asset portfolio, there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions, on both threats and opportunities for growth, including specific references to individual borrowers and at group level; event-based impact analyses, tight monitoring of portfolio quality, timely identification of accounts that require closer monitoring, ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points. Portfolio Monitorin- Identify, manage and minimize shocks / stresses in the Credit Portfolio. Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities, involving the following ; Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports. Drill down to Industry / Sector performance. Correlate with Bank"™s portfolio on these major Industries / Sectors segments with direction on outlook. Maintaining subscription services, wherever necessary Preparation and monitoring of monthly EWS (Early Warning System) reports. Identify accounts under relevant categories, which need to be included under the EWS reporting, based on the overdue and churning and other such reports and other set identified parameters. Co-ordinate with Zonal / Regional, Business and Credit teams to analyze and update the latest information with relevance of such accounts. Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking). Note the directions / actionable made with regard to specific accounts, if any, and update the same to the concerned. Identify, analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted. Chartered Accountant Past experience of 3 to 5 years Strong analytical skills - ability to carry out economic analysis, build quantitative and financial models to project future performance thus requiring fluency in MS Office, Advanced MS Excel (Macros, V-lookup, Pivot)\ and MS Powerpoint Knowledge of Bank"™s internal data systems Finnacle, CORE, etc. Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to priyanka.lunawat@kotak.com Please mention the following in the subject line as "˜"Position Name" "Your Name" "Your Current Business Group"

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT / Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies / Infants Job Requirements : CA Inter / CA / MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)

Area Credit Manager MSME | Surat Key Responsibilities: Evaluate MSME loan proposals, conduct PDs/site visits & ensure policy compliance. Monitor underwriting, TAT & portfolio quality. Liaise with Sales/Ops/Collections for smooth disbursement & risk control. Track delinquencies, recommend corrective actions & ensure compliance. Train & guide branch/regional credit teams. Requirements: Graduate/Postgraduate in Finance/Commerce. 5+ years MSME credit assessment & underwriting experience. Strong financial/risk analysis & market knowledge. Good communication, leadership & analytical skills. Proficient in MS Office & credit systems. Apply Now – Immediate Joiners Preferred ta_hr14@mas.co.in | WhatsApp: 8511015682 (Ami Soni)

Were Hiring: Credit Manager @CredFlow At CredFlow, our lending arm is reshaping credit access for SMEs in India. And now were looking for a Credit Manager to drive underwriting and disbursal. This is a key role with full ownership of credit underwriting, loan processing, and coordination with lending partners. Location: Noida, Sector 3 Key Responsibilities: Conduct detailed credit appraisal and underwriting for high ticket size unsecured business loan applicants Process loan applications and ensure policy compliance Coordinate with NBFCs/banks for loan fulfilment and documentation Ensure stringent compliance with KYC, AML, and other regulatory requirements Monitor credit performance and highlight risk factors Drive process improvements within credit operations Support policy refinement through data analysis and partner feedback What Were Looking For: 2-7 years of experience in credit operations or underwriting (Only unsecured business loan experience preferred) Strong understanding of MSME lending and unsecured credit products Proven ability to work independently with cross-functional teams as needed Analytical, detail-oriented, and communicative Bonus: Familiarity with lender APIs, LOS/LMS systems #Credit Manager, #Credit Underwriting, #Loan Processing, #Business Loans, #Unsecured #Business Loans, #MSME Lending, #SME Lending, #Credit Operations, #Credit Appraisal, #Risk Assessment, #Loan Disbursal, #Loan Fulfilment, #NBFC Coordination, #Banking Partnerships, #KYC Compliance, #AML Compliance, #Regulatory Compliance, #Credit Risk

Role Overview: As a candidate for this position, you will be responsible for achieving contributed value targets set for the branch. You will play a crucial role in ensuring sales volumes for multiple products by sourcing quality underwriting diligence to meet sales targets while also controlling delinquencies and frauds. Providing superior customer experience and managing TATs on credit processing will be key aspects of your role. Additionally, minimizing pre-post disbursal discrepancies and monitoring performance will be part of your daily responsibilities. Key Responsibilities: - Achieve contributed value targets set for the branch. - Ensure sales volumes for multiple products, sourcing quality underwriting diligence to meet sales targets while controlling delinquencies and frauds. - Provide superior customer experience. - Manage TATs on credit processing. - Minimize pre-post disbursal discrepancies. - Monitor branch performance in terms of key drivers such as Contributed Value, Volumes, Profitability, Expenses, Losses, Employee Retention, Employee Productivity, and Customer experience. - Monitor individual performance of each employee and continuously work to maximize productivity. Qualifications Required: - Strong leadership and people management skills. - Ability to motivate and develop branch team members. - Proven track record of driving teams to excel. - Experience in conducting regular meetings with branch staff and providing open and honest feedback. (Note: No additional details of the company were provided in the job description.),

Role & responsibilities Conduct detailed financial statement analysis and credit appraisal for Unsecured Business Loans (UBL) Assess borrower creditworthiness, repayment capacity, and risk factors Prepare and present comprehensive credit assessment notes for approval Ensure compliance with company credit policies and RBI regulations Collaborate with business, risk, and operations teams for smooth disbursals Support portfolio monitoring, early warning detection, and risk mitigation strategies Contribute to process improvement and credit policy refinement

Analyse risks and approve or reject loan requests. Prepared CAM(Credit Appraisal Memo)Analysed for Credit History. Knowledge of Technical and Legal report.

Role & responsibilities : Review the Customer's Profile for Loan credit Worthiness. Visit in person for Verification. Analyze the credit worthiness and past track records of loans and repayments CIBIL Verification Maintain a detailed track report of clients Loan processing Attention to detail Preferred candidate profile 3-5 Yrs in Affordable housing segment HL/ LAP/ Mortgage Background (must) Ticket size of upto 1 Cr handling experience NBFC background only

Roles and Responsibilities Roles and Responsibilities Urgent Requirement in NBFC Company Assistant Credit Manager Annalise risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analysed for Credit History Knowledge of Techn

Role & responsibilities To Handle the Team of BCMs/CPAs. Underwriting and Decision of Affordable Home loan/loan against property. Maintaining TAT as per Management Expectations by supervising team. To manage complete geography with team. Assessment of borrowers profiles, repayment capacity and income stability and cashflow assessment for unorganized structures. Understand and interpret results of financial analysis, banking analysis and bureau reports and Eligibility in line with Policy/Income Programmed. Study analysis and interpretation of legal & technical reports of property and should be understanding Legal and technical challenges associated with the Property of the specific geography which is being represented by Him/Her. Maintain the right quality of Portfolio & ensure the Delinquency numbers are with in control and maintain right balance between Return vis a vis Risk. Draft & Design the local policies to enable the organization for right mix of customers at desired yield. Preferred candidate profile Must be graduate Must have relevant Geography Knowledge of Pune Must have at least minimum of 6-8 Years experience Should be from NBFC/BFSI

Role Overview: As a part of the team, your role involves managing and optimizing profitability for the branch, setting and monitoring branch targets, ensuring portfolio quality through underwriting, cost management, motivating the team, and enhancing customer experience. Key Responsibilities: - Achieve contributed value targets and sales volumes for multiple products. - Source quality underwriting diligence to meet sales targets while controlling delinquencies and frauds. - Provide superior customer experience. - Manage Turnaround Times (TATs) on credit processing. - Minimize pre and post disbursal discrepancies. - Monitor branch performance in terms of key drivers such as Contributed Values, Volumes, Profitability, Expenses, Losses, Employee Retention, Employee Productivity, and Customer experience. - Monitor individual performance of each employee and work continuously to maximize productivity. - Motivate and develop the branch team to excel. - Manage and mentor the team to keep attrition low. - Conduct regular meetings with branch staff to provide open and honest feedback. Qualification Required: - Previous experience in branch management or a similar role. - Strong understanding of profitability management and target setting. - Excellent communication and people management skills. - Ability to motivate and develop a team. - Experience in customer service and portfolio quality management. - Knowledge of cost management and underwriting processes.,

Roles and Responsibilities Understanding the customer profile, performing financial analysis & determining the credit worthiness of the proposal Review the underwriting process and define process as per available resources and branch requirements Analyze associated risks in the business and financial standing of the client Appraising proposals, conducting risk analysis & scrutinizing relevant documents before recommending, ensuring compliance with credit policies Overseeing the proposals end to end e.g. from login to sanction of cases and supporting in disbursal Analyze the bank behavior of the customer and bank statement. Analyzing CRIF/CIBIL reports Loan Assessment and decision making Handling loan pre-sanction and post-sanction activities Partnership management MIS reporting Preferred candidate profile B.com (M.com, MBA is an added advantage) Odiya language reading & speaking is mandatory for the candidates. Perks and benefits : PF, Gratuity, Medical & Life insurance

Responsibilities Audit senior associates provides timely, high quality client service as part of the client engagement teams serving large and small companies in a variety of industries. They will develop strong working relationships while working closely with teams to understand and solve clients' complex businesses and challenges. Experienced professionals serve our clients by: Understanding clients' needs and expectations, their business and industry, accounting and control systems, employees, company values and industry-related IFRS issues Developing and demonstrating an understanding of the RSM audit approach, methodology and tools Performing audit procedures and tests in accordance with the RSM audit methodology based overall audit plan, ensuring proper documentation of work performed. Identifying areas of risk and accounting and auditing issues; discuss with engagement teams to solve issues that arise. Researching technical accounting issues Developing industry expertise Preparing audit reports, and management letters Exercising professional skepticism, judgment and adhere to the code of ethics while on engagements Ensuring that documentation is compliant with quality standards of the firm Working collaboratively as a part of the team and communicate effectively with RSM audit professionals Provide supervision and development training for associates Taking ownership of assigned tasks and deliverables to ensure service excellence through prompt responses to internal and external clients Providing timely, high quality client service that meets or exceeds client expectations including coordinating the development and execution of the audit work plan and client deliverables Understanding RSM Canada and RSM Delivery Center's line of business service capabilities and work as a team in providing an integrated service delivery Ensuring professional development through ongoing education Participating in a range of projects and open to collaborate and work with multiple teams; demonstrating critical thinking, problem solving, initiative and timely completion of work. Required Qualifications Bachelors in Commerce/MBA Qualified Chartered Accountant / CPA / ACCA 2-4 years of relevant experienceworking in an accounting and audit related field Strong technical skills in accounting including IFRS Strong multi-tasking and project management skills Excellent verbal and written communication (English) as the position requires frequent communications with RSM International clients and the Canada based engagement teams Preferred Qualifications Experience in Non Assurance services (PCR) preferred. Strong Data Analyticalskills including advanced Excel skills (Vlookups, pivot tables, and basicformulas), Word and PowerPoint

About The Role Role Name Department Commercial Banking - Credit Monitoring & Strategy Location Mumbai Number of Positions 1 Reporting Relationships Vice President Position Grade Senior Manager Position Purpose : With the Bank"™s growing asset portfolio, there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions, on both threats and opportunities for growth, including specific references to individual borrowers and at group level; event-based impact analyses, tight monitoring of portfolio quality, timely identification of accounts that require closer monitoring, ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points. Portfolio Monitorin- Identify, manage and minimize shocks / stresses in the Credit Portfolio. Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities, involving the following ; Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports. Drill down to Industry / Sector performance. Correlate with Bank"™s portfolio on these major Industries / Sectors segments with direction on outlook. Maintaining subscription services, wherever necessary Preparation and monitoring of monthly EWS (Early Warning System) reports. Identify accounts under relevant categories, which need to be included under the EWS reporting, based on the overdue and churning and other such reports and other set identified parameters. Co-ordinate with Zonal / Regional, Business and Credit teams to analyze and update the latest information with relevance of such accounts. Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking). Note the directions / actionable made with regard to specific accounts, if any, and update the same to the concerned. Identify, analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted. Chartered Accountant Past experience of 3 to 5 years Strong analytical skills - ability to carry out economic analysis, build quantitative and financial models to project future performance thus requiring fluency in MS Office, Advanced MS Excel (Macros, V-lookup, Pivot)\ and MS Powerpoint Knowledge of Bank"™s internal data systems Finnacle, CORE, etc. Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to priyanka.lunawat@kotak.com Please mention the following in the subject line as "˜"Position Name" "Your Name" "Your Current Business Group"

Job Description Job Title Credit Manager -Unsecured Reporting Manager Territory Credit Manager Purpose of the Job: To support business and functional goals by ensuring that all credit policies, practices & guidelines are adhered to as per approved policy. Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business & Financial Management-To have basic understanding of KYCs, regulatory reforms related to GST, Income Tax, and others -To appraise or underwrite Business Loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority -To conduct personal discussion with customer / client with intent to understand and analyze associated risks in the business and financial standing of the client. -To assess the income, ability, intention, business sustainability & credit behavior and verify it through income documents & reference checks and various credit bureau checks. -To verify legal and technical reports and identify the risks or critical points impacting the proposal. -To analyze the audited / certified financials as the case may be to assess the eligibility for the loan and prepare Credit Approval Memo -To manage the entire credit assessment process right from the origin till activation.Customer Focus - Managing the overall decisioning TAT to have an excellent customer experience. -To ensure complete adherence to laid down policy and procedure / process -Liaise with sales team to proactively assess and resolve issues faced by client. -Structure the right product to the customer during customer interactionsProcess / Quality Improvement- Manage credit quality and control delinquencies, frauds Understand credit policy as well as credit environment in the city / branch - Structure the right product to the customer during customer interactions - TAT on closure of cases - Process discipline demonstrated by satisfactory audit reviews - To prepare and maintain MIS covering all aspects of the credit process and proposal and circulate to authorities on timely basis. Decision making authority Describe the authority permitted to take decisions, and those you are expected to recommend AreaDecisions takenDecisions recommended Resolution TATNANAProcess ChangesNANACommunicationNANA Self deliverables The most important tasks performed on an individual basis without involving subordinates are: Sr. NoTask performed 1Ensure AP Ref no.if generated as soon as a file is logged in2Check CIBIL of every file after login.3Ensure CPV and TVR is done after CIBIL4Initiating PD of Cases getting eligible under Policy.5Maintaining TAT with respect to initiating PD and sharing of additional documents required.6Relook at cases which have been rejected basis merit7Credit approval of deals as per authorized limits, recommends and forwards to appropriate authority incase of higher limit, deviation, deferral.8Take various market references and build touch points for customer reference.9Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact10Review performance of the outsourced activities such as CPV, TVR, Legal and Valuers11Review templates on valuations periodically, set-up grids for valuations, based on market conditions.12Periodically do a trend analysis for early warning indicators on location risks and others with the mitigants used to resolve.13Co-ordinate with FCU for setting up specific triggers14Ensure approval tracker is given to Business15Credit approval of deals as per authorized limits, recommends and forwards to appropriate authority incase of higher limit, deviation, deferral.16Clear the various exception raised.17Review portfolio every month with respect to delinquency / losses / fraud for the period underwritten with respect to the following Bucketwise delinquency being within the triggers NCL within the budgeted figure Customers TOD level within acceptable norms Non Starter at minimum level Negligible skip / fraud cases 18Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation, besides ensuring dispatch of the physical file.19Ensure the completed document is moved into the Operations Queue20Reviews credit admin activities to ensure the activities like RMU movement, filing of charge, agreement filling, stock and book debt audit, legal dox review , regular information on deviations, deferrals to central unit etc are completed within stipulated time frame.21Monitor and review the activities and performance of the outsourced employees.22Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions.23- Review of Outsourced vendors for renewal of agreement, fixing the fees etc . - Review of FMV Templates once is six months. Validating the FMV values based on market feedback. - Early warning indicator tracking for the location, key risks, segments, asset levels and mitigants addressed and for EW for customers. 24- Industry trends, key factors impacting industry and specifics related to the market, performance of trades in market and indicators both local and regulatory and its impact. - Monitoring portfolio adherence to triggers and surface underlying issues with possible solutions. - Responsible for ensuring documentation and process adherence. 25- Interaction with Local FCU for setting up specific triggers and coordination. - Coaching mentoring of the credit team including credit admin. - Formal documented meeting and review of CPA shop, Valuer, legal agency. - PDD management for the branch. - Resale process of repossessed vehicles26- Enforcement and adherence of the company credit process and policy at the region and the branch. - Approval of high ticket loans as per policy - Approval of deviations as per policy. - Approval and tracking of restructure/rewrites - Review of portfolio with respect to delinquency/losses/fraud of the portfolio with branch credit officer. 27- Interacting with regional Fraud control units. - Interacting with regional and branch collection officers. - Should conduct training for Brach Staff whenever there are credit policy changes & updation. Other factors relevant to the job Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required) Sr. NoOther relevant factors (Required Skills) 1- Good analytical & logical abilities - Good communication (English and local language) - Good interpersonal skills2- Ability of manage medium/large teams - Ability to build good relationship with customers3- Ability to comprehend risk inherent to customer business - Flair for numbers and an ability to understand processes, read balance sheets and understand customer business models - Systematic & Meticulous and Ability to perform under pressure - Good analytical & logical abilities and Good communication - High resilience, energy & initiative - Well networked in locality with respect to customers / financiers - Ability to work in teams internally and also build good relationships with customers - Demonstrate core company values, including high integrity and ethics - Result/ achievement orientation Expertise required/ Domain Knowledge: Ability to comprehend risk inherent to customer business Flair for numbers and an ability to understand processes, read balance sheets and understand customer business models Good people management skills Systematic & Meticulous and Ability to perform under pressure High resilience, energy & initiative Result and achievement orientation Demonstrate core company values, including high integrity and ethics No. of years of relevant experience: Minimum 2 yrs in financial services, banking, credit rating industry with lending, credit approvals, delinquency, analysis, collections, processing, signing bank deals, memorandums Any specific specialization/education: Graduate/CA/MBA

HDB Financial Services Ltd. Looking for #BranchCreditManager #Product - #LAP (Secured) and #PL (Unsecured) #Skills - Underwriting and PD is must #Experience -4-5 years in Credit underwriting & CAM #Education - Any graduate #Locations .- #Farrukhabad Relevant candidates can share CVs at rupali.vishal@hdbfs.com with the subject line Branch Credit Manager_location. Regards Rupali

About The Role About The Role Credit Portfolio Oversight: Assume responsibility for the continuous monitoring and management of Midcorporate Division's diverse credit portfolio. Implement a systematic approach to assess the overall health and performance of individual exposures within the portfolio. Undertake in-depth and ongoing analyses of business performance, meticulously comparing actual outcomes against initial projections. Engage with business/client teams to address discrepancies, formulate corrective action plans, and enhance overall performance. Stakeholder Engagement: Establish and maintain robust channels of communication with clients and strategic partners. Serve as a bridge between the credit team and client teams to facilitate the seamless flow of information, promptly address concerns, and foster collaboration. Reporting and Analysis: Generate regular and comprehensive reports that provide a detailed view of portfolio performance, risk profiles, and emerging trends. Offer incisive and data-driven insights to senior management, enabling informed decision-making based on the analysis of portfolio data. Uphold rigorous standards of record management to support transparency, accountability, and audit readiness. Maintain a vigilant eye for opportunities to enhance the efficiency and effectiveness of credit monitoring processes. Actively participate in the development and implementation of industry-leading best practices for credit monitoring within the organization. Cross-Functional Collaboration: Foster collaborative relationships with various internal functions, including Risk, Legal, and Operations, to holistically address portfolio-related challenges and opportunities. Promote synergy among different departments to maximize the overall effectiveness of credit monitoring efforts. Risk Management: Proactively identify, evaluate, and categorize risks associated with the credit portfolio, encompassing financial, operational, and market-related dimensions. Collaborate closely with the credit team to devise and implement comprehensive risk mitigation strategies tailored to specific industries. Maintain rigorous adherence to the Credit Monitoring Policy and its associated procedures, ensuring that monitoring protocols remain aligned with the policy's stipulations. Take a proactive role in refining and evolving monitoring procedures to adapt to changing industry dynamics. Qualifications & Experience Minimum DegreeCA / MBA Minimum Years/type ofexperience8-10 Years of experience

About The Role 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 ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification Graduate, Masters/Post Graduate Certifications CA/MBA (Preferable)

Role & responsibilities Responsible for Credit underwriting, credit Appraisals of Consumer Durable/ Personal Loans. Manage credit quality and control delinquencies. Understand credit policy and processes as well as credit environment in the city / branch. Ensuring 100% screening of new applications. Responsible for checking online profiling of customer in fastest mode. Managing Post Disbursement Verification. Investigation on pre acquisition fraud's. Managing Weekly and Monthly MIS and Trackers. Monitor and enforce approval rate and TAT as per prescribed standards. Sharing of best practices and trend for respective locations. Preferred candidate profile Looking for Freshers graduates of 2024/2025, interested to join the credit verification team. Must know Telugu/ Malayalam or Kannada. Should be flexible working in day shifts with compensatory week off Good communication and pleasing personality