433 Credit Processing Jobs - Page 2

As a Profitability Manager, your primary responsibility will be to maintain and optimize the profitability of the branch. You will be tasked with setting and monitoring branch targets, ensuring portfolio quality through superior underwriting and collections, and managing all branch operating costs effectively. In addition to financial management, you will also be responsible for people management, including motivating and handling HR functions for the branch team. Customer experience management is crucial in this role, as you will be required to ensure superior customer service and handle service issues professionally. To succeed in this position, you must achieve contributed value targets, drive sales volumes for multiple products, and maintain quality underwriting standards to meet sales targets while minimizing delinquencies and fraud. Managing TATs on credit processing and minimizing discrepancies in disbursals are also key responsibilities. Monitoring branch performance is a critical aspect of the role, involving tracking key drivers such as contributed value, profitability, expenses, losses, and employee retention and productivity. You will be expected to motivate and develop the branch team, drive them towards excellence, and keep attrition rates low through regular meetings, feedback sessions, and mentorship. Key responsibilities include planning and executing targets for all products, demonstrating strong interpersonal skills and leadership abilities, fostering a professional work culture that encourages enthusiasm and teamwork, and understanding credit and operational risks. Your ability to manage change effectively and take complete ownership of your tasks will be essential for success in this role.,

Roles and Responsibilities Manage credit processing, underwriting, and monitoring for personal loans and unsecured loans across multiple channels (branches & digital). Oversee a team responsible for credit assessment, appraisal, approval, and disbursement of loans. Develop and implement effective strategies to minimize defaults and recover bad debts. Collaborate with cross-functional teams to drive business growth while ensuring compliance with regulatory requirements. Analyze market trends, competitor activity, and customer behavior to inform lending decisions.

Qualification- B.com Experience- 0-1 years

- Research and evaluate clients credit worthiness. - Create credit scoring models to predict risks. - Approve or reject loan requests, based on credibility and potential revenues and losses. - Calculate and set interest rates. - Monitor payments. Required Candidate profile - Proven work experience as a Credit Manager, Credit Analyst or similar role. - Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel).

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 Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

Culture Anchor:Work Hard - Consistently puts in effort. plans and tracks daily progress to achieve targetsExecute with Rigor - Takes responsibility for meeting targets with focus and effortOwn It - Maintains honesty and fairness in all interactions in line with organizations policiesAct with Integrity Duties and Responsibilities - Responsible for credit appraisal and monitoring for the Salaried Loans.- Implementation of Credit Policy primarily pre-approved and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix.- Analysing the portfolio health and risk involved in particular segment of assets & profile and giving timely feedback to sales & risk team.- Ensuring portfolio quality is maintained at the highest standards and delinquency is under control.- Striving for continuous improvement in productivity.- Feedback for credit policy and new product launch based on market conditions. Required Qualifications and Experience Graduate/MBA Finance with 1-2 years of relevant experience.

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 Position Branch Credit Manager Department Credit Location 1) Palghar , Mumbai 2) Kalyan, Mumbai 3) Burari , Delhi Reports to Area Credit Manager Grade Deputy Manager Purpose of the role To adhere the process of credit and operations with zero error Responsibilities/ Duties To ensure all PDD and OTCs are closed within defined timelines as per the defined SLAs & TATs of organization. Prepare regular MIS and published time to time according to defined timelines or whenever required. To ensure all deposition of collected fee by the respective branches within defined timelines. To improve the productivity for credit resource in terms of number of files processed Maximize PA FTR for all branches 6. To ensure effective teamwork and maintaining COs teams across his / her region 7. To ensure team's adherence to policies and corporate governance standards at Branch level. 8. To collaborate with Sales and other teams of Branch for seamless operations in day to day and achievement of overall branch targets 9. To pro-actively achieve credit targets with accuracy 10. To ensure TAT for processing each loan application is maintained by the team. 11. To ensure effective resolution of customer issues & complaint 12. To maximize PA FTR for branches and the movement is manageable 13. To ensure zero error cash reconciliation process. 14. To ensure service request resolution is done within the stipulated time. 15. To prepare precise MIS and publish within defined timelines. 16. To ensure all fee collected are deposited by the respective branches within defined timelines. 17. Demonstrate discipline and integrity in the branch. Competencies Team Management, Credit Management, Problem solving, Communication Skills, Language - English, Regional Language and Hindi desirable Computer literate Word / Excel / E-mail / Web based system Experience Minimum 3 7 Years (Preferred from same industry) Qualification Graduate/Postgraduate Age & Social Profile 21-30 years, Male/Female Sourcing (Industry) Home loans segment Notice Period : Immediate Joiner or Can join ASAP. Note : Interested applicants can share their CVs on navin.singh@shubham.co

Key Responsibilities: Verify loan and KYC documents accurately. Analyze CIBIL and assess customer credit eligibility. Prepare CAMs for secured and unsecured loans. Ensure timely completion of backend operational tasks. Requirements: Experience in Banking/NBFC operations. Knowledge of financials (B/S, P&L), loan documentation, and KYC. 25 years of relevant experience.

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)

As a Credit Officer at MAS FINANCIAL SERVICES LTD, you will be responsible for evaluating credit, credit analysis, and credit processing for various products such as Personal Loans, Loan Against Property, Two Wheeler Loans, Commercial Vehicle Loans, and Used Car Loans. Your primary focus will be on Credit Management, Credit Appraisal, and maintaining Management Information Systems (MIS). We are looking for a candidate who has a minimum of 3-5 years of experience in the financial industry, specifically in the Used Car and Used Commercial Vehicle Credit segment. Graduation is mandatory for this role, and preference will be given to local candidates in Bhandara. Your key responsibilities will include assessing the creditworthiness of potential customers, preparing Credit Approval Memos, conducting personnel discussions and customer visits, and critically analyzing customer documents for risk management purposes. Strong Excel skills are required to maintain detailed records of company loans. The ideal candidate will have a background in Credit and Operations with team management abilities. Knowledge of other loan products such as Auto Finance, Two Wheeler Finance, Property Mortgage, and Personal Loans will be an added advantage. If you meet the above requirements and are interested in this opportunity, please share your updated CV with current CTC and expected CTC with our Regional HR, Nikhil Bhiwapurkar, at hr_nagpur@mas.co.in or contact him at +91-7041791722.,

Role & responsibilities Manage responsibilities of Credit Appraisals and underwriting including High Value cases. Oversee the entire credit process from application to disbursement, ensuring timely decision-making and quality control. Develop and implement effective credit policies, procedures, and processes to minimize defaults and maximize recoveries. Collaborate with sales teams to identify new business opportunities and develop strategies for cross-selling products. Ensure compliance with regulatory requirements, internal policies, and industry standards.

Female Branch Credit Manager - Home Loans/ LAP - Ahmedabad Role & responsibilities Responsible for managing credit risks Assessing creditworthiness Making loan decisions Ensuring overall credit portfolio quality Responsible for managing credit policies and risk scoring models Monitoring delinquency. Preferred candidate profile QUALIFICATIONS: Graduation Experience: Min 2 years in Credit - Home loans/ LAP Location: Ahmedabad Interested candidates with relevant experience can share their CV's on megha.patel@truhomefinance.in Note: Company name is Truehome Finance, formerly known as Shriram Housing Finance.

Dear Aspirants, Greetings !!! We BGSS (Subsidiary of Bank of Baroda) hiring for CPA executives (Backend) for our Login desk and Document Collection officer, Please find below Job Description, If your profile suits please share your CV. Education Qualification : Any Degree We require only Male candidates Role & responsibilities : Collection of all relevant documents (as per checklist) sent through different channels i.e. Branch, DSA & DST. Ensure completion of documents. Follow-up for incomplete loan application and supporting papers. To maintain discrepancy record detailing the discrepancies. To ensure inward / login of file with date & sign in register maintained at RAPC and to maintain inward MIS. To ensure that all physical documents and reports are kept in respective file. Ensuring Up-front fee is being collected with file. Capturing of lead in LLPS System after receipt of all the documents and generate file number for each physical file. Initiation of vendor reports i.e. Legal Opinion Report, Valuation Report, and Contact Point Verification Report. Follow up for reports and other pending documents if any. Generating Credit Bureau Scores of each applicant. Ensure CERSAI search is done and report to be kept on record. Complete LLPS journey of the file up to Pre-Screen work step. To ensure that no information I data is left for entering into LLPS and also no document is left to be uploaded in LLPS before moving the file to next stage. After submission, coordinate with applicants / builders / DSAs / DSTs for additional documents / information / clarification required during the loan processing. Co-ordination for resolution of queries raised by maker/checker/sanctioning authority.

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. Co-ordination with Business team for resolving queries. Sharing of best practices and trend for respective locations. Managing manpower requirements on timely basis. 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. Interested candidates can share your updated resume to irene.monica@hdbfs.com

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)

Responsibilities: - Assessing creditworthiness of potential clients for LAP and Business Loan products - Managing credit applications and ensuring timely processing Requirements: - Understanding of LAP and Business Loan products

Inviting CA!! For Role Area Credit Manager - HL/LAP with leading NBFC at Noida Sec 3

10795 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) Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

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)