25 Credit Scoring Jobs

You should have experience in team handling, specifically in handling secured, unsecured, working capital, and LAP loans. Your responsibilities will include evaluating and processing end-to-end loan applications within agreed TAT timelines, ensuring timely clearance of open audit queries, and conducting quality control checks. Additionally, you will be responsible for the timely completion of vendor management related activities. Your role will also involve providing support to the business plan by ensuring a quick turnaround of new and existing proposals and working with the team to optimize returns while staying within the risk appetite. This will require researching and evaluating clients" creditworthiness, creating credit scoring models to predict risks, and approving or rejecting loan requests based on credibility and potential revenues and losses. Furthermore, you will be expected to calculate and set interest rates, negotiate loan terms with clients, and maintain records of loan applications. Your role as an Area Credit Manager will be crucial in ensuring the efficient management of loan processes and maintaining a high level of quality and compliance.,

The ideal candidate will work closely with internal partners to develop a robust portfolio management framework and a comprehensive credit & fraud risk management infrastructure for the Digital Bank. You will be responsible for defining the credit & portfolio management strategy, focusing primarily on Consumer products, Merchant lending, and SME lending portfolios. Additionally, you will establish credit risk appetite and thresholds for the product portfolios. Your role will involve developing a comprehensive process to build credit portfolio monitoring and control systems to assess, identify, and reduce credit risk while optimizing portfolio returns. You will also be expected to conduct real-time industry research with team reports to identify and analyze emerging trends and review and approve relevant policies related to various regulations and emerging trends. To be considered for this position, you should possess a Bachelor's degree in Computer Science/Statistics/Data Science or related programs; an MBA or Postgraduate degree in a similar field is a plus. You must have at least 8+ years of experience in credit, with exposure to merchant lending being an added advantage. Strong quantitative skills with a background in credit scoring, credit strategy, and the overall credit cycle are essential. You should also have a solid background in Credit Loss Forecasting and be conversant with scoring & impairment forecasting models. Proficiency in using statistical programming languages such as SQL and Python is required for this role. Experience in utilizing traditional and alternate data to drive credit strategies will be beneficial.,

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit management. Roles and Responsibility Manage and analyze credit data to make informed decisions on loan approvals. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Conduct thorough credit assessments and provide recommendations for approval or denial. Monitor and report on credit portfolio performance, identifying areas for improvement. Stay up-to-date with regulatory changes and industry trends to ensure compliance. Job Requirements Strong understanding of credit principles, including credit scoring and analysis. Experience with credit management systems and software. Excellent analytical and problem-solving skills, with attention to detail. Strong communication and interpersonal skills, with the ability to work effectively with stakeholders. Ability to work in a fast-paced environment and meet deadlines. Strong knowledge of financial regulations and industry standards.

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 2 to 7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify new business opportunities and grow existing relationships. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide exceptional customer service and support to resolve credit-related queries. Stay up-to-date with industry trends and developments to continuously improve credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Excellent analytical and problem-solving skills, with attention to detail and accuracy. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build rapport with customers and colleagues. Proficiency in financial modeling and data analysis tools, such as Excel or similar software. Experience working in a regulated environment, preferably in the BFSI sector.

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 2 to 7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Proficiency in credit software applications and systems. Excellent analytical and problem-solving skills with attention to detail. Effective communication and interpersonal skills to build strong relationships. Ability to work in a fast-paced environment and meet deadlines. Strong knowledge of financial regulations and compliance requirements.

Key Responsibilities: Data Analytics & Data Science Build and lead the data analytics and data science function to extract actionable insights across the customer lifecycle from sourcing and underwriting to collections and retention. Drive predictive modelling, credit scoring models, and risk analytics to improve decision-making. Develop robust dashboards and MIS systems for business teams, risk, compliance, and leadership. Ensure data governance, quality, and integrity across systems and touchpoints. Innovation & Strategy Identify and pilot emerging technologies (AI/ML, OCR, geotagging, etc.) relevant to the affordable housing ecosystem. Promote a culture of innovation and experimentation across business and technology teams. Align digital and data innovation with business objectives such as reducing cost of acquisition, faster TAT, better credit decisioning, and deeper financial inclusion. Product IT Own the IT product roadmap across core lending platforms (LOS, LMS), customer apps, and partner integrations (APIs). Work closely with business and operations to translate functional requirements into scalable digital solutions. Ensure product enhancements are aligned with compliance, scalability, and user experience goals. Cybersecurity & Data Compliance Oversee information security protocols and ensure adherence to data privacy laws (e.g., RBI guidelines, DPDP Act). Collaborate with compliance and risk functions to maintain IT audit and regulatory readiness. Preferred Qualities: Passion for financial inclusion and the role of technology in solving grassroots challenges. Ability to build and mentor diverse, cross-functional teams. Entrepreneurial mindset with a structured approach to innovation and change management.

This is an Internal document. Role- Credit Risk and Policy Manager Job Purpose: To design, implement, and manage credit risk policies and strategies that ensure healthy portfolio performance, mitigate default risk, and support business growth. This role involves credit underwriting frameworks, portfolio analytics, risk appetite definition, and policy governance. Key Responsibilities: Credit Policy & Frameworks: Develop and regularly update credit risk policies, product programs, and underwriting guidelines for various customer segments (retail, SME, corporate, etc.). Define risk acceptance criteria based on internal data and market intelligence. Collaborate with business, operations, legal, and compliance teams to implement and operationalize credit policies. Risk Assessment & Monitoring: Analyze credit risk across new and existing products and segments. Establish early warning signals (EWS) and monitoring frameworks to track portfolio health. Design scorecards, segmentations, and risk models in collaboration with analytics and data science teams. Portfolio Management: Track key credit metrics such as delinquency, NPAs, write-offs, LGDs, and PDs. Recommend changes in credit strategies or policy thresholds based on portfolio trends. Benchmark internal performance with industry standards. Regulatory & Compliance: Ensure policies align with regulatory guidelines (RBI, Basel norms, etc.). Prepare risk-related reports and documentation for audits and regulatory reviews. Stakeholder Management: Work closely with credit, collections, risk analytics, legal, and technology teams. This is an Internal document. Provide training and guidance on credit policies to credit and sales teams. Qualifications & Experience: Bachelors degree in Finance, Economics, Statistics, or related field (MBA/CA/CFA preferred). 410 years of experience in credit risk, policy formulation, or credit underwriting (depending on seniority). Strong understanding of lending products (personal loans, SME, mortgages, BNPL, etc.). Experience with data analysis, credit scoring, and risk modeling is a plus. Skills & Competencies: Analytical thinking with sound risk judgment. Strong knowledge of credit lifecycle and portfolio management. Proficient in Excel, SQL, and/or data visualization tools (Power BI/Tableau). Excellent communication and stakeholder management skills.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Proficiency in credit software applications and systems. Excellent analytical and problem-solving skills with attention to detail. Ability to work effectively in a fast-paced environment with multiple priorities. Strong communication and interpersonal skills to build relationships with customers and stakeholders. Experience in the BFSI industry, preferably in a similar role as a Credit Officer.

The Credit Manager will be responsible for handling leads received through online digital marketing and conducting research to evaluate clients" creditworthiness based on the provided documents. They will be required to create credit scoring models to assess risks and make informed decisions on approving or rejecting loan requests, considering credibility, potential revenues, and losses. The Credit Manager will also be responsible for calculating and setting interest rates, negotiating loan terms, and maintaining communication with clients. This is a Full-time, Permanent position suitable for Freshers. The benefits include cell phone reimbursement, health insurance, and Provident Fund. The work schedule is during the Day shift with additional Performance and Yearly bonuses. The work location is in person. For further queries, please contact 9266015511.,

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 2 to 7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Excellent analytical and problem-solving skills, with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Effective communication and interpersonal skills, with the ability to build relationships. Proficiency in credit software and systems, with strong technical skills. Experience working in the BFSI industry, preferably in a similar role.

Roles and Responsibilities Analyse risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analysed for Credit History Knowledge of Technical and Legal report Calculate financial ratios (e.g. credit scores and interest rates) Sanction TVR Desired Candidate Profile Hindsight Visit in Field Personal Discussion(PD) on Tele/Video/Physical Audit Clearance To process files for Disbursement credit manager is responsible for the entire credit granting process. Disbursement process in LMS.

Qualifications Any degree Experience 2-4 yrs in Finance company or NBFC Sector Skills Proven work experience as a Credit Officer, Loan Officer or similar role Hands-on experience with lending procedures and products Description Credit Officer responsibilities include reviewing loan requests Assessing clientsfinancial status Evaluating creditworthiness and risks Contact clients to gather financial data and documentation Analyze risks and approve or reject loan requests Calculate financial ratios (e g credit scores and interest rates) Set up payment plans Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans

What will you do: Analyze financial statements, credit reports, and other relevant data to assess the credit risk of potential clients. Monitor existing client accounts to identify potential credit risks and trends. Prepare regular reports on credit risk exposure and present findings to management. Work closely with the underwriting teams to provide insights and recommendations regarding credit decisions. Collaborate with compliance and legal teams to ensure adherence to regulatory requirements. Assist in the development and validation of predictive models to enhance credit decision-making processes. Stay updated on market trends, economic conditions, and regulatory changes that may impact credit risk. Investigations include the gathering of data from various sources and systems and interpreting the data to manage the risk. Qualifications: Masters degree in Finance. 2+ years of experience in credit risk analysis, preferably within the payment processing or financial services industry. Strong analytical skills with the ability to interpret complex financial data. Knowledge of credit risk assessment frameworks and regulatory requirements. Excellent communication skills, both written and verbal, with the ability to present findings to stakeholders. Detail-oriented, organized, and able to manage multiple priorities effectively.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit risk management strategies to minimize losses. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure adherence to all relevant laws, regulations, and industry standards related to credit management. Job Requirements Strong knowledge of credit underwriting principles, including credit scoring and risk modeling. Experience in managing large volumes of data and providing actionable insights to stakeholders. Excellent analytical and problem-solving skills, with the ability to interpret complex financial data. Effective communication and interpersonal skills, enabling strong collaboration with diverse teams. Ability to work in a fast-paced environment, meeting deadlines and delivering high-quality results. Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint.

Requirements: Should be proficient in speaking & reading Odia language (Orissa) Should have atleast 2-3 years experience in handling Mortgages Underwriting for Orissa State. Role & responsibilities oversees the credit-granting process for an organization, ensuring timely payment collection and minimizing financial risks. They evaluate creditworthiness, set credit limits, and develop credit policies, collaborating with other departments like sales and finance. Mail id - niraj.vidyarthy@janabank.com Mai id - Aditya.Singha@janabank.com

What role you will play in team You will assess the creditworthiness of loan applicants and make informed lending decisions You are critical in mitigating risk for the bank What you will do You will review loan applications analyze financial statements and conduct credit scoring You will also prepare credit reports and make recommendations on loan approvals Key responsibility Review loan applications and associated documentation Analyze financial statements and credit reports Conduct credit scoring and risk assessment Prepare comprehensive credit reports Make recommendations on loan approvals or denials Adhere to bank policies and regulatory guidelines Required Qualification and Skills Bachelors degree in finance accounting or related field

Role & responsibilities oversees the credit-granting process for an organization, ensuring timely payment collection and minimizing financial risks. They evaluate creditworthiness, set credit limits, and develop credit policies, collaborating with other departments like sales and finance.

Role: Business Analyst Exp-5-10 yrs Notice Period: 0-30 Days Location: Gurugram Domain Knowledge :- C&IB Client Onboarding, Risk and Credit scoring, Lending, AML, and KYC. Skills :- Strong communication skills (English) and documentation Roles and Responsibilities Conduct client onboarding process, including KYC verification and AML checks. Perform credit risk assessment through credit scoring and underwriting. Manage loan origination, processing, and disbursement activities. Ensure compliance with LOS (Loan Operations System) policies and procedures. Collaborate with cross-functional teams for seamless integration of new products/services. Desired Candidate Profile 5-10 years of experience in Business Analysis or related field. Strong understanding of lending processes, including credit risk management, credit scoring, and anti-money laundering regulations. Bachelor's degree in Any Specialization (B.Tech/B.E.).

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Excellent analytical and problem-solving skills, with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build relationships. Proficiency in financial modeling and data analysis tools. Experience working in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit operations. Roles and Responsibility Manage and process loan applications according to company policies and procedures. Conduct thorough credit analysis and risk assessments to determine client creditworthiness. Develop and maintain relationships with existing clients to ensure timely payments and resolve any issues that may arise. Collaborate with internal teams to identify new business opportunities and grow the bank's customer base. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing strategies to mitigate risks. Ensure compliance with regulatory requirements and industry standards in all credit-related activities. Job Requirements Strong knowledge of credit operations, including credit scoring, underwriting, and risk assessment. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and colleagues. Proficiency in Microsoft Office and other banking software applications. Ability to work in a fast-paced environment, meeting deadlines and achieving targets. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience working in a similar role within the BFSI industry is preferred.

We are looking for a highly skilled and experienced Credit Analyst to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-2 years of experience in the BFSI industry. Roles and Responsibility Analyze credit data to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs. Conduct thorough credit risk assessments and provide recommendations. Collaborate with cross-functional teams to develop and implement credit policies. Monitor and report on credit portfolio performance metrics. Stay up-to-date with industry trends and regulatory changes affecting credit analysis. Job Requirements Strong understanding of credit principles, including credit scoring and risk modeling. Excellent analytical and problem-solving skills with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build rapport with clients. Proficiency in credit management software and Microsoft Office applications. Ability to think critically and make sound decisions under pressure.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis and assessments to determine client creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential credit risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong understanding of credit principles, including credit scoring and risk modeling. Excellent analytical and problem-solving skills, with attention to detail and the ability to interpret complex data. Effective communication and interpersonal skills, with the ability to build strong relationships with clients and colleagues. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Proficiency in financial software and systems, with experience in credit management and portfolio monitoring. Strong knowledge of regulatory requirements and industry standards related to credit lending.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have a strong background in the BFSI industry, with expertise in credit management and analysis. Roles and Responsibility Manage and analyze credit data to identify trends and areas for improvement. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Conduct thorough credit assessments and provide recommendations for approval or denial. Monitor and report on credit performance metrics to senior management. Stay up-to-date with regulatory changes and industry best practices in credit management. Job Requirements Strong knowledge of credit principles, including credit scoring and risk assessment. Experience with credit software and systems, such as loan origination and servicing platforms. Excellent analytical and problem-solving skills, with attention to detail and the ability to interpret complex data. Effective communication and collaboration skills, with experience working with diverse stakeholders. Ability to work in a fast-paced environment and meet deadlines. Strong understanding of the BFSI industry, including financial products and services.

Basic Section No. Of Position 1 Grade NA Level Analyst, Credit Organisational BUSINESS Birla Pivot BUSINESS_UNIT-1 Birla Pivot BUSINESS_UNIT-2 Birla Pivot BUSINESS_UNIT-3 Birla Pivot DEPARTMENT-1 Birla Pivot Partners Country India State Karnataka Worksite Bangalore Industry -- Function Strategy & Planning Skills Skill Underwriting Unsecured Loan Minimum Qualification Bachelor Of Commerce (Honours) CERTIFICATION No data available About The Role Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts. Key Responsibilities Credit Assessment: Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history. Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms. Financial Analysis: Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers. Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter. Documentation and Due Diligence: Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately. Communication and Reporting: Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders. Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval. Portfolio Monitoring: Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate. Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms. Qualification & Skills Bachelors degree in finance, Accounting, Economics, or related field required, masters degree preferred. Minimum of 3 years of experience in credit analysis, banking, or financial services industry. Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately. Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation. Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely. Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

Salary : 20 to 35 LPA Exp: 3 to 10 years Location :Bangalore/Pune/Gurugram (Hydrid) Notice: Immediate to 30 days..!! Roles & responsibilities: 3+ years exp on Python , ML and Banking model development Interact with the client to understand their requirements and communicate / brainstorm solutions. Contribute to how analytical approach is structured for specification of analysis Contribute insights from conclusions of analysis that integrate with initial hypothesis and business objective. Independently address complex problems 3+ years exp on ML/Python (predictive modelling) PD/LGD model development Design, implement, test, deploy and maintain innovative data and machine learning solutions to accelerate our business. Create experiments and prototype implementations of new learning algorithms and prediction techniques Collaborate with product managers, and stockholders to design and implement software solutions for science problems Use machine learning best practices to ensure a high standard of quality for all of the team deliverables Has experience working on unstructured data ( text ): Text cleaning, TFIDF, text vectorization Text classification using any of the following : decision trees, knn classification, support vector machines or LDA Exp on SQL would be a plus