433 Credit Processing Jobs - Page 4

About The Role 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)

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)

Responsibilities: * Conduct credit analysis & appraisals * Collaborate with sales team on new opportunities * Manage credit portfolio performance * Ensure compliance with credit policies * Identify the lenders to share cases to login

Weare seeking a highly motivated and experienced Credit Officer with a background in the BFSI industry . The ideal candidate will have a strong understanding of credit principles and a proven ability to manage credit portfolios. This role is crucial for making informed decisions on loan approvals, conducting thorough risk analyses, and collaborating with internal teams to ensure seamless credit processing. Roles and Responsibilities Credit Analysis & Decision-Making: Manage credit portfolios and make informed decisions on loan approvals . Conduct thorough credit assessments and risk analyses . Relationship & Portfolio Management: Develop and maintain relationships with clients to understand their financial needs. Monitor and report on credit performance metrics . Identify opportunities to cross-sell and upsell products to existing customers. Collaboration & Operations: Collaborate with internal teams to ensure seamless credit processing. Job Requirements Experience & Knowledge: Professional experience in the BFSI industry , preferably in a similar role. Strong understanding of credit principles and practices . Skills: Excellent communication and interpersonal skills . Strong analytical and problem-solving skills . Proficiency in credit software and systems . The ability to work in a fast-paced environment and meet deadlines.

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,pune,bangalore,hyderabad,chennai

We are hiring Branch Credit Heads for Lucknow,Gorakhpur and Karnal locations. You will be responsible for : Manage credit operations, including loan processing, underwriting, and disbursement. Oversee a team responsible for credit analysis, appraisal, and approval of loans. Ensure compliance with regulatory requirements and internal policies related to credit management. Implement laid down guidelines to improve portfolio quality by identifying areas for improvement in the credit process. Collaborate with other departments (e.g., sales, marketing) to drive business growth through effective lending practices. Candidate must have 5+yrs experience in MSELAP/STLAP/Mortgage underwriting. Early joiners are preferred Please e mail your resume at chanchal@fedfina.com

We are hiring Branch Credit Heads for Amreli, Ankleshwar, Balasinor, Bareja, Bhavnagar, Jamnagar ,Mansa locations . You will be responsible for : Manage credit operations, including loan processing, underwriting, and disbursement. Oversee a team responsible for credit analysis, appraisal, and approval of loans. Ensure compliance with regulatory requirements and internal policies related to credit management. Implement laid down guidelines to improve portfolio quality by identifying areas for improvement in the credit process. Collaborate with other departments (e.g., sales, marketing) to drive business growth through effective lending practices. Candidate must have 5+yrs experience in MSELAP/STLAP/Mortgage underwriting. Early joiners are preferred Please e mail your resume at Ishan.Pendharkar@fedfina.com

We are hiring Branch Credit Heads for Bhimavaram,Kukatpally, Srikakulam, Ananthpur and Bhongir locations . You will be responsible for : Manage credit operations, including loan processing, underwriting, and disbursement. Oversee a team responsible for credit analysis, appraisal, and approval of loans. Ensure compliance with regulatory requirements and internal policies related to credit management. Implement laid down guidelines to improve portfolio quality by identifying areas for improvement in the credit process. Collaborate with other departments (e.g., sales, marketing) to drive business growth through effective lending practices. Candidate must have 5+yrs experience in MSELAP/STLAP/Mortgage underwriting. Immediate joiners are preferred Please e mail your resume at srikar.d@fedfina.com

We are hiring Branch Credit Heads for Solapur,Karjat,Shirur and Karjat locations . You will be responsible for : Manage credit operations, including loan processing, underwriting, and disbursement. Oversee a team responsible for credit analysis, appraisal, and approval of loans. Ensure compliance with regulatory requirements and internal policies related to credit management. Implement laid down guidelines to improve portfolio quality by identifying areas for improvement in the credit process. Collaborate with other departments (e.g., sales, marketing) to drive business growth through effective lending practices. Candidate must have 5+yrs experience in MSELAP/STLAP/Mortgage underwriting. Immediate joiners are preferred Please e mail your resume at priyanshu.singh@fedfina.com

Role & responsibilities Handling Credit operation from Login to Disbursement. Credit decision making for SF and forwarding proposals. Handling Credit and Operational issues. Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Personal loans and maintaining TAT. Taking care of audit queries and maintaining good audit score. Preparing MIS, Collection reports on daily basis and Weekly review reports. Assisting customers with queries, requests & complaints. Preferred candidate profile Graduate either fresher or candidates with 1+ year experience in Credit Underwriting. Must know Telugu or Malayalam language. Knowledge on secured and unsecured loans. Interested candidates kindly share updated resumes to 7397298585

Job Description Job Title Credit Manager -Unsecured Function / Department GEL Department Head National Credit Manager Reporting Manager Senior 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 Human Capital Job Description Form Page 1 of 4 Fullerton India Credit Company Ltd Revision 1.0

Greetings from Fedbank Financial Services| Managing a team of Branch credit managers, Credit Executives managers. Conduct personal discussion with customers to establish Credit worthiness. Pre and post sanction credit risk compliance. Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio. Control on portfolio performance. Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM). Coordinate with sales to achieve targets and ensure TAT or SLAs are met Manage the team of Credit. Location - Ramanagara | Bomnahalli (Bangalore) | Wilson Garden (Bangalore) Email - reetikaraj@fedfina.com Thanks

You will be joining the Yubi credit operations team in Chennai as a Credit Processing Associate with 3 to 5 years of experience. Your role will involve ensuring the timely completion of borrower profiles on the platform, managing the full credit operations lifecycle, and coordinating effectively with various stakeholders to drive seamless processing of credit deals. Your proactive follow-up and strong communication skills will be crucial in advancing deal progress and upholding high quality standards. Responsibilities: - Verify the completeness of borrower profiles and follow up with borrowers to ensure all required documentation is promptly submitted. - Respond to queries from lenders, borrowers, and relationship managers, ensuring clear and timely communication. - Prepare and deliver case summaries for specific lenders, summarizing key borrower and deal details. - Follow up with lenders to fast-track deal processes and provide regular updates on deal status. - Update Management Information Systems (MIS) regarding deal status, invoice tracking, and other follow-ups. - Conduct manual bank statement analysis when needed to ensure compliance and accuracy. - Assist in onboarding connectors and coordinate referral agreements by facilitating clear communication with stakeholders. Qualifications: - Bachelors Degree in Finance, Business Administration, Commerce, or a related field, or equivalent work experience. - Prior experience in credit processing, documentation, or related financial roles is required. - Strong analytical skills and attention to detail for manual document analysis and process follow-up. - Excellent written and verbal communication skills for effective coordination with internal teams and external stakeholders. - Proficiency with Microsoft Office and familiarity with MIS systems; experience with financial platforms and banking software is a plus. - Ability to manage multiple tasks, work under pressure, and meet deadlines. Join us at Yubi where you can unleash your potential in a culture of freedom, opportunities, and collaboration.,

Job Description Essential Qualification and Work Experience: 1. 15+ years of work experience, predominantly in USA Banking Operation in depth knowledge of entire Commercial loan life cycle. Origination knowledge will be advantage. 2. Exposure towards USA Credit policy guidelines. 3. Experience in handling huge team across multiple locations. 4. Active participation in Solutions and Transitions is a must. 5. Understand market dynamics and drive business decisions 6. Ability to thrive in a fast paced, multi-tasking environment and to manage multiple deadlines Preferred Technical Skills: 1. Transformational leadership skills 2. Strategy development 3. Analytical skills 4. Exceptional communications verbal and writing 5. Good interpersonal skills Skills required: 1. Loan IQ 2. ACBS 3. Loan Servicing 4. Commercial lending Essential duties and responsibilities include the following (other duties may be assigned) 1. To ensure customer engagement / satisfaction. 2. Accomplish and exceed business goals through various methods. Guide and mentor highly motivated team. 3. Liaison with front end team and provide support. Interact with solution and transition teams to ensure project requirements are met. Outcomes expected/measurable 1. Create and hone leadership and domain expertise across the locations. 2. Enable teams / identified leaders to contribute to the overall growth of organization 3. Meet and exceed all the contractual obligations and focus on continuous improvement using technology interventions 4. Measure and improve the ops metrics, create strategic long-term plan for the vertical 5. Should understand customer Quality & productivity expectations. If your profile is matching with above skills and responsibilities mentioned, you can share your profile at [HIDDEN TEXT] and subject line should be Manage role - Loan ops Please do mention the following in the body of the email. 1. Notice period : 2. Current Location : 3. Current CTC : 4. Expected CTC :

URGENT HIRING !!! For more information call or WhatsApp +91 9289584545 Mail us at: [HIDDEN TEXT] location's : Canada , Australia , New Zealand , UK, Germany , Singapore ( Not In India ) Benefits : Medical Insurances , Travel allowances , Flight Tickets , Meals , etc. Roles & Responsibilities Assess and approve/reject credit applications based on financial risk analysis. Develop and enforce company credit policies and guidelines. Monitor accounts to ensure timely payments and manage overdue collections. Evaluate client credit history and financial statements to determine creditworthiness. Collaborate with sales and finance teams to set credit limits and payment terms. Ensure compliance with legal and regulatory credit standards. Analyze market trends and economic factors affecting credit risk. Manage relationships with banks, financial institutions, and auditors. Prepare reports on credit risk, outstanding accounts, and financial performance. Train and mentor credit analysts and finance team members.

The job is a full-time, on-site role for a Bank Employee at Sarva Computer Saksharta Mission Bharatpur, located in Bharatpur. As a Bank Employee, your primary responsibilities will include managing daily banking transactions, providing excellent customer service, assisting with credit and loan processing, and offering advice on various insurance products. You will be expected to maintain accurate financial records, ensure compliance with banking regulations, and effectively communicate with customers and colleagues. To excel in this role, you should possess finance skills for managing daily transactions and financial records, strong communication and customer service skills, experience in credit processing and loan assistance, knowledge of insurance products and services, excellent problem-solving and organizational skills, and a Bachelor's degree in Finance, Business Administration, or a related field. Relevant banking experience would be a plus. If you are looking for a dynamic role where you can utilize your finance skills while providing top-notch customer service, this position may be the perfect fit for you.,

Number of Openings 4 ECMS ID in sourcing stage 532459 Assignment Duration 6 months Total Yrs. of Experience 10 Years Relevant Yrs. of experience 8 Years Detailed JD (Roles and Responsibilities) Experience on SAP GTS E4H implementation Experience on implementing of GTS Risk management module Experience on Preference Determination, Free Trade Agreements, Regional Value Content (RVC) Calculation, Vendor Based Long Term Vendor Declarations (LTVDs), Long Term Vendor Declarations customers purpose, and Letter of Credit Processing Experience on Foreign Trade Zone (FTZ), Inward process Relief, Outward Process Relief and Customs Warehouse. Mandatory skills GTS Desired/ Secondary skills GTS Domain GTS Max Vendor Rate in Per Day (Currency in relevance to work location) 12, 000 INR/Day Delivery Anchor for tracking the sourcing statistics, technical evaluation, interviews, and feedback etc. Aysha. h@infosys. com dipesh. vaswani@infosys. com karanveer. rathore@infosys. com Work Location given in ECMS ID Pune WFO/WFH/Hybrid WFO Hybrid BG Check (Before OR After onboarding) Post Onboarding Is there any working in shifts from standard Daylight (to avoid confusions post onboarding) YES/ NO Depends on the client requirement

HDB Financial Services Ltd. Looking for #BranchCreditManager #Product - #LAP (Secured) and #PL/BL (Unsecured) #Skills - Underwriting and PD is must #Experience -3-7 years in Credit underwriting & CAM #Education - any graduate #Locations .- Moradabad Relevant candidates can share CVs at rupali.vishal @hdbfs.com with the subject line Branch Credit Manager_location.

Role & responsibilities Manage disbursement process from loan sanction to final disbursal. Ensure timely processing of loan applications within TAT (Turnaround Time). Coordinate with sales team for lead generation and conversion. Conduct credit operations, including risk assessment and documentation. Maintain accurate records of customer interactions and transactions. Preferred candidate profile 0-4 years of experience in banking or finance industry. Strong understanding of Credit Operations, Disbursement, Sanction processes. Excellent communication skills for effective customer interaction. Ability to work independently with minimal supervision. Interested candidate can share updated cv Nishi.kumari@auhtm.in on or what's up 8505044754

Manages the credit appraisal process , by ensuring adherence to the standard process, Turn Around Time and decision consistency Ensuring the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions. Monitor the accounts to ensure maintenance of a healthy portfolio. Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives Maintain the Customer escalations within the desired levels for the location Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme Provide regular updates on all key activities to regional manager

Role & responsibilities Credit Officer/ Credit Manager Candidate should have home loan credit experience Interested candidate can mail their resume : swathi@aavas.in

Job Title : Credit Specialist Job Summary : Responsible for Credit reviews for management by researching and analyzing sales data, customer accounts, business information and management reports Essential Job Duties : Analyzing the credit data and financial information of the individuals or companies in order to determine the risk involved in offering them credit Preparing management reports about degree of risk in giving the customers credit terms such as various collection reports Coordinating with sales/Collections/Billing department for proper documentation of customers requirements, change of address/payment plans/change of business information/collecting US states certificates Validating the Sales tax exemption documents submitted by the customers. Understand different credit rating companies scores and analyze the information provide on the documents to reach to an accurate decision about customer business. Use reports to develop Process Improvement ideas and coordinate with Manager for implementation Basic Qualifications (Minimum Required Experience, Education, Key Attributes ): Education & Experience: Commerce graduate/Post Graduation. Minimum of 1- 3 years of relevant experience. Knowledge/Skills/Abilities: 1-4 Years experience in an US/ Europe Accounts Receivable profile Ability to work in a fast paced environment Good written and verbal communication skills Basic to intermediate skill level in Microsoft Excel, PowerPoint Willingness to learn new skills Should have a Do what it takes’ and a ‘I must deliver’ attitude

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field. Graduate Yes Masters/Postgraduate Yes Certifications CA 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) Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

Roles and Responsibilities Manage credit underwriting process for auto loans, including credit analysis, appraisal, and approval. Conduct thorough credit risk assessment to minimize defaults and maximize recoveries. Develop and implement effective credit policies, procedures, and guidelines for the organization. Collaborate with sales teams to identify potential customers' creditworthiness before disbursement of funds. Ensure compliance with regulatory requirements related to lending operations.