433 Credit Processing Jobs - Page 6

Roles and Responsibilities Conduct thorough credit appraisal and analysis of proposals to assess borrower's creditworthiness. Review financial statements, cash flows, and other relevant documents to determine loan eligibility. Develop and maintain relationships with clients to understand their business needs and provide tailored solutions. Ensure compliance with regulatory requirements, internal policies, and procedures related to credit underwriting. Collaborate with cross-functional teams to resolve complex issues and improve overall performance. Desired Candidate Profile 2-7 years of experience in Home Loan Credit Underwriting or similar role. CA (Any Specialization) or MBA/PGDM (Any Specialization). Strong understanding of credit policy, risk analysis, processing, and underwriting principles. Excellent communication skills for effective client interaction.

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

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)

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)

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)

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

Monitoring of Portfolio on an ongoing basis. Strict adherence to Credit Monitoring Policy. Regular monitoring of the portfolio Conducting Credit Monitoring Committee Meetings Reporting of actionable to various authorities. Constant monitoring of events related to borrower accounts. Annual Review of Accounts. Appointments and maintenance of Vendors like Lenders Independent engineer, Lenders Legal counsel and Lenders insurance consultant. Identification of stress accounts and recommendation of actions. Handling restructuring of accounts. Portfolio modeling and analysis. Covenant monitoring. Coordination with Fincon/ accounts and Budgeting MIS and other reporting.

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)

1.JOB PURPOSE:Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

1.JOB PURPOSE:Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

JOB PURPOSE:Responsible for Area Credit Manager of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience5-10 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

JOB PURPOSE:Responsible for Area Credit Manager of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience5-10 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

Role & responsibilities Responsible for underwriting of Cross Sell products • 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. • Ensuring appropriate work allocation. • Responsible for updating and maintain sound Market intelligence of Consumer Durable business. • Investigation on pre-acquisition fraud's • Managing Weekly and Monthly MIS and Trackers. • Assessing training needs to accelerate his teams performance. • Frequent check on feedback going to business. • 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 Graduate / MBA 6 8 years of experience Understanding of Loans Business and its key aspects Thanks & Regrads, Naveen HR 8610405856 HDB financial services Pvt ltd

Role & responsibilities To ensure that all credit policies, practices & guidelines are adhered to as per rules and regulations. - Partner Unit Manager in market approval by meeting market constituents customers, financiers and evaluation of the market. - Perform credit and reference checks. - Meet customers prior to credit approval. - Credit Approval of deals as per authorized limits ; recommends and forwards to UM - FTR for branches - Meets appraisers, valuers on ongoing basis to monitor collateral values. - Meet Market opinion leaders, trade associations, to gather information proactively Preferred candidate profile - Systematic & Meticulous - Target oriented - Ability to perform under pressure - Good communication Skills - Risk adjusted returns - Well networked in locality with respect to customers / financiers - Ability to work in teams

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)

Key Objective of the Job: Handling the Proposal Sanction Management Process of the branches. Key Deliverables: Ensure the credit policy implementations. Quality CAM making and updation along with Tele Verification & Report in cases. Manage and supervise CPA/ FI agency/ valuation agency operations. Ensure quality portfolio of the branches within the set parameters of non-starters. Conduct training for FI/CPA/ Channels and cross verticals at regular intervals. Visit Channels/ Branches and customers at regular intervals. Education Qualification: MBA / CA/ ICWA/ CS/ M.com/ B.Com. (Hons.) Specialized job competencies: Functional Competencies Process-Orientation Team Skills Basic understanding of Credit process Technical knowledge in financial analysis Ability to sustain pressure Facilitator Behavioral Competencies Execution Excellence Customer Centricity Fostering Synergy Hiring Parameters: Good communication skill Knowledge of IT and Computers Software Compliance Orientation Location - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location: Mumbai,New Delhi,Pune,Bangalore,Hyderabad,Chennai

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches.Credit-Operations Manager will ensure 100% process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. core Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process.Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.Ensuring gating rejections in line with credit policy and close monitoring on login quality.Ensuring timely initiation of internal reports and checks as mandated by credit policy.Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy.Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing.Ensure 100% adherence to policies and SOPs across all credit-operations processes.Identify and rectify process gaps to enhance efficiency and accuracy.Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required.Ensure compliance with regulatory requirements and internal controls.Work on Loan Origination System (LOS) and Finnone for loan processing.Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting.Support digital initiatives to streamline credit-operations processes and improve efficiency.Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region.Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency.Conduct periodic performance reviews and ensure team adherence to KPIs.Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs):First Time Right (FTR) Ensuring minimal errors in loan files.Turnaround Time (TAT) Ensuring quick and efficient loan processing.Compliance Adherence No deviations from policy and regulatory guidelines.Process Efficiency Identifying and implementing improvements in workflows.Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit teamResponsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques.Hold regular meetings with the business team & conduct regular training for improvement in FTR filesWork cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processesPrioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC.Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

Job Purpose Support and co-partner with the sales team to underwrite mortgage business and manage the portfolio of respective zone. Responsibilities Core Responsibilities: Own theentirecreditunderwriting process for his/her zone, including the consistent application of acreditpolicy, periodiccreditreviews of existing customers, early warning and delinquency management and the assessment of thecredit-worthiness of potential customers. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework Assess customers sourced by the Sales team as per thecreditpolicy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. Arrange forCreditprograms and training within company'screditframework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality ofcredit& maintain a healthy portfolio. Authorize deviations raised and documented by underwriters in compliance with credit policy. Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Manage end to end credit approval for the designated zone. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Develop cross functional collaboration to smooth business and ensure quick TAT Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1 to 4 years of experience in the field. Roles and Responsibility Manage and process credit applications, including housing loan and affordable housing. Conduct thorough credit assessments and risk analyses to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Collaborate with internal teams to ensure seamless credit processing and disbursement. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing strategies to optimize credit quality. Stay updated with industry trends and regulatory changes to ensure compliance and best practices in credit management. Job Requirements Strong knowledge of credit principles, practices, and regulations, particularly in housing loan and affordable housing. Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions. Effective communication and interpersonal skills, enabling strong relationship building with clients and internal stakeholders. Ability to work in a fast-paced environment, prioritizing tasks and managing multiple responsibilities. Proficiency in credit software and systems, with the ability to learn new technologies and adapt to changing systems. Strong attention to detail, ensuring accuracy and quality in all aspects of credit processing and disbursement.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1 to 6 years of experience in the field. Roles and Responsibility Manage and process credit applications, including housing loan and affordable housing. Conduct thorough credit assessments and risk analyses to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Collaborate with internal teams to ensure seamless credit processing and disbursement. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing strategies to optimize credit quality. Stay updated with industry trends and regulatory changes to ensure compliance and best practices in credit management. Job Requirements Strong knowledge of credit principles, practices, and regulations, particularly in housing loan and affordable housing. Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions. Effective communication and interpersonal skills, enabling strong relationship building with clients and internal stakeholders. Ability to work in a fast-paced environment, prioritizing tasks and managing multiple responsibilities. Proficiency in credit software and systems, with the ability to learn new technologies and adapt to changing systems. Strong attention to detail, ensuring accuracy and quality in all aspects of credit processing and disbursement.

Hiring for Banking Voice Location: Malad / Thane (Mumbai) Process Type: Inbound Customer Service (Voice) Job Description: Join one of the world's leading financial institutions in a dynamic Customer Service Voice Process role. You'll be responsible for assisting customers with their banking-related queries, ensuring high levels of satisfaction and service quality. Eligibility Criteria: Education: HSC / Graduate Experience: Minimum 1 year of experience in BPO/Customer Service is mandatory CIBIL Score: Must be above 650 Availability: Immediate joiners only Shift: Rotational shifts (Night shifts included) Work Days: 5 days working, 2 rotational offs Mode: Work from Office Salary & Benefits: In-hand Salary: ?35,000 Bonus: ?50,000 after completion of 6 months Perks: One-side transport provided Growth opportunity within the company International-level process exposure Process Type: 100% Inbound Voice Process Banking/Finance Domain Support Customer query resolution over calls Interested candidates can Call or WhatsApp on given no - 7304533683 Regards, HR.Spurthi Vibrantzz Management Services,

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed