1832 Credit Underwriting Jobs - Page 2

What is the Role? As a Snr Analyst Credit Underwriting you will be responsible for performing credit underwriting activities for Shell Operational Units (OUs) under Finance Operations. The role requires strong level of ownership and involves maximizing commercial opportunities where credit can play a part in delivering strong margins whilst taking acceptable credit risks. This will require creating very good working relationships with the local Credit, Customer Operations and Sales Teams. Principal Accountabilities : Manage Credit/Risk Underwriting Responsible for the efficient and effective management of credit risk, including management of high- profile and risk portfolio Responsible for providing authorized approval for release of credit blocked orders and taking credit decisions. Providing assessment of a customer credit risk and recommending terms of credit Performing detailed financial analysis based on customer financial statements for development of a risk profile of a customer Analyzing the overall credit exposure Providing authorized approval for continuing deliveries to customers in case of overdue or credit limit exceeding Negotiating and managing securities necessary to support higher risk exposures based on a risk reward approach Resolving credit enquiries and complaints from customers Communicating with internal and external customers in a professional, assertive, and efficient manner Accounts Receivable Drive resolution and support Debt Management Analysts in resolution of cases related to overdue Keep up-to date on issues by holding regular discussions with other Credit functions Regularly and on ad-hoc basis MI information about the managed portfolio. General Provide interpretation of policy and guide fewer senior colleagues on the principles of sound credit management. Ensure compliance with MOA and DCM/OCM and take responsibility for Audit coordination and business control reviews. Act as Team Lead support and go-to person for most complex operational matters Implement cross-border credit strategies and contribute/manage high profile projects which involve delivering presentations to very senior internal/external stakeholders. Demonstrate CI mindset and Shell core behaviors while performing the assigned activities Required Skills and Experience: Degree/qualifications in Accounting/Business preferred; a professional degree required Minimum 5 years of experience in credit management and underwriting Proven experience in credit and balance sheet analysis Sound understanding of Financial processes Must have experience in a multi-national company preferably in Shared Services environment Exhibits excellent English communications skills (written and oral) Good knowledge of controls framework Ability to work under high pressure an in a rapidly changing environment. Positively engages with others to improve business processes and performance where necessary Strong interpersonal and communication skills, persuasive and firm in discussions (internal and external discussions) Results focused team-player, with excellent communication skills and strong drive Strong analytical skills and strong problem-solving skills

We are looking for a Senior Manger Plant & Operation Finance based out of Bangalore locations to lead Finance function at plant level. This person will be responsible for handling all the Plant finance and costing related activities at plant level including statutory compliance. Team of 2-3 Finance executive will be reporting to this person. Product costing and variance analysis for the plant cost (covering RM/PM and factory overhead) Working with operation / Supply chain team on operation cost, preparation of their operating plan, tracking of actual cost against budget and reporting of variance. Identification of cost saving opportunities and working with cross functional team on cost saving projects. Supporting Finance controlling team in Statuary audits with company auditors, Tax audits (Direct and Indirect), Internal Audits and any Due Diligence audit conducted by Investors. Provide insightful information and explanation to senior executives to aid in long-term and short-term decision making. Setting up of Internal Financial Controls for the operations of company and ensuring the compliance for same. Working with operation team on new capex at plant level and tracking ROI of such investments. Building adequate inventory controls at plant level for correct reporting and valuation of inventory. Work on special projects like ERP implementation etc. Nice to have Experience working with dairy farmers or in agricultural financing - Familiarity with video conferencing tools and digital platforms - Certification in credit analysis or a related field

Roles and Responsibilities Conduct credit appraisal, assessment, and evaluation of loan proposals to determine creditworthiness. Perform physical verification of assets to verify collateral value. Review financial statements, industry trends, and other relevant data to inform lending decisions. Collaborate with internal stakeholders to resolve queries and ensure smooth processing of loans. Maintain accurate records of all transactions and communicate effectively with customers. Desired Candidate Profile 4-7 years of experience in Credit Management or related field (NBFC). Strong understanding of credit underwriting principles, policies, and procedures. Excellent analytical skills for evaluating complex financial data. Ability to work independently with minimal supervision while maintaining high levels of accuracy. Interested candidates can share their updated CV on below mentioned email id Email id:- poonam.sharma@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

Role & responsibilities Banking experience in handling the asset side i.e., credit underwriting, monitoring and recovery. Good communication and analytical skills, and general understanding of the economic scenario. Preferred candidate profile Graduate in any discipline essential. Desirable: MBA/Equivalent PG qualification Banking related Work Experience (Post Qualification) is desirable.

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.

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

Evaluate financial statements, bank transactions, ITRs, and GST data to assess borrower creditworthiness Analyze various business models and proactively identify credit and operational risks Prepare detailed and concise credit appraisal notes for internal credit committee/sanctioning Recommend loan amount, tenure, and repayment structure aligned to business viability Conduct business and site verifications, and validate all key documents submitted by borrowers Ensure adherence to internal credit policies and regulatory norms at every stage of assessment

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

As an Underwriter for mortgage business in the assigned branch/location, your primary responsibility will be to review and assess a variety of complex loan applications within defined guidelines. You will be required to make decisions or recommend applications for approval to higher authorities. It is essential to underwrite proposals in accordance with established policies and procedures to meet agreed Service Level Agreements (SLAs) and effectively manage the business volumes in the city/area. Your role will involve conducting personal discussions with customers to evaluate their creditworthiness. This includes ensuring the completion of credit and Know Your Customer (KYC) documents through telephonic, field, and collateral visits. You will need to analyze income to obligation ratios, loan to value ratios, and possess in-depth knowledge of the rationale behind these ratios and their impact on loan performance over extended periods. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster will be part of your routine tasks, along with providing regular reports. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients is crucial. Addressing client queries, utilizing industry knowledge and experience to overcome challenges, and ensuring service quality standards are exceeded are key aspects of your role. You will be responsible for critically reviewing credit proposals to identify industry, business, financial, management, and facility structure risks. Facilitating collateral and other credit risk mitigation measures to support the decision-making process on credit proposals is essential. Ensuring quick turnaround times for credit lending proposals related to mortgage business, such as loans against property and home loans, in collaboration with the sales team is a priority. Ongoing review of credit exposures to maintain their bankability, critically reviewing and documenting proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking risk mitigation steps when necessary are crucial tasks. Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in coordination with local credit analysts and the sales team, will be part of your daily responsibilities. Moreover, following up and ensuring the recovery of quick mortality cases between 12-18 MOV will be a key aspect of your role. Qualifications required for this position include a Graduate or Masters/Post Graduate degree, with certifications such as CA/MBA being preferable.,

As a Mortgage Underwriter, your primary responsibility will be to underwrite mortgage business and manage the portfolio in the assigned branch/location. You will be tasked with reviewing and assessing a wide range of complex loan applications within defined guidelines. Based on your assessment, you will need to make decisions or recommend them for approval to higher authorities. Your duties will include underwriting proposals in accordance with the established policies and procedures to meet the agreed service level agreements (SLAs) and effectively manage the business volumes in the city/area. This will involve conducting personal discussions with customers to evaluate their creditworthiness, ensuring the completion of credit/KYC documents, and performing verifications through telephonic, field, and collateral visits. You will be responsible for analyzing income to obligation ratios, loan to value ratios, and possessing an in-depth understanding of the rationale behind these calculations and their impact on loan performance over extended periods. Additionally, maintaining Portfolio MIS, Delinquency MIS, and other operational MIS of the cluster, along with regular reporting, will be part of your role. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients, addressing client queries, and utilizing industry knowledge to overcome challenges are crucial aspects of this position. You will be expected to exceed service quality standards, strive for continuous process improvement, and critically review credit proposals to identify risks associated with industry, business, finance, management, and facility structure. To facilitate quick turnaround times of credit lending proposals for mortgage business, including loan against property and home loan business, close collaboration with the sales team will be essential. Furthermore, you will need to conduct ongoing reviews of credit exposures to ensure their bankability, implement risk mitigation strategies, monitor client and collateral creditworthiness throughout the credit lifecycle, and adhere to legal and documentation norms and policies. Managing the credit underwriting function of your branch, ensuring the recovery of quick mortality cases, and collaborating with local credit analysts and the sales team to expedite credit lending proposals will also be part of your responsibilities. In terms of qualifications, a graduate or postgraduate degree is required, with certifications such as CA or MBA being preferable for this role.,

Role Purpose Underwriting strategy. Assess proposals basis usage. Understand and derive financial trends of applicants. Prepare management OR credit committee level approval proposals. Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies. Accountability Cluster 1 • Adherence to turn around times (TAT) on customer loan requests, as per the agreed service level agreements (SLA) Accountability Cluster 2 • Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. • Maintain system data quality. Accountability Cluster 3 • Comprehensive profile study and financial analysis and proposal making. • Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Accountability Cluster 4 • Team monitoring, mentoring and appraisals. Accountability Cluster 5 • Timely input on policy enhancements and optimization. Accountability Cluster 6 • Knowledge of regulatory reporting on account status and monitoring. Accountability Cluster 7 • Understanding market dynamics and frequent visits to customers. • Portfolio monitoring and reporting to management and relevant stakeholders.

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.

Greeting from Anand Rathi Global Finance Ltd! Were Hiring: Area Credit Manager (LAP) Location: Mumbai We are looking for a skilled professional to join our Credit team as an Area Credit Manager . The role involves credit appraisal, risk assessment, policy adherence, and ensuring quality underwriting for Loan Against Property (LAP). Interested candidates can share their resume at : saraswatibhatt@rathi.com

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.

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 manage the valuations and collateral risk of retail mortgage business, technical audits and setting up standard processes\ Monitor the technical evaluation process in the area/region., team handling, valuation of APF projects, and validation of valuation report beyond prescribed loan limit. Core Responsibilities: o Identify & develop new streams for revenue growth and maintained relationships with Builders to achieve repeat business and chalk out ways to generate revenue. o Liaison with valuation agencies, real estate developers and local government bodies for market analysis and market updations. o Build and strengthen relationships with key builders/ developers and get project approvals on technical aspects and thereafter help monitor constructions status on periodic intervals. Organize and maintain such project database and provide periodic reports to management on activities and trends. o Segment markets based on property types and identify properties with high risks or in negative areas (e.g. low-line, very low chance of resale, poor quality construction, old constructions areas etc.) o Guide and develop "technical policy" and monitor the portfolio/ delinquencies related to technical aspects. o Develop checks and process to control Fraud, built database and deduce for multiple funding or excess funding on properties e.g. circle rates, reference rates to credit team, database of properties under dispute as per securitization notices by different banks as public notices, properties under public notice/ court notice/ in tech agencies data base under dispute etc.) o Scrutinize project approvals for the organization, timely monitoring and ensuring compliance on legal and technical aspects and their timely updations. o Analyze new upcoming residential projects in the zone and facilitate its fast approval for advanced processing and funding. o Travel to the various property sites and conduct property audits to analyze collateral risk and manage quality real estate portfolio of the organization. o Keep track of the development in real estate market and its impact upon lending parameters, property valuations and other financial implications. o Monitor market feasibility of project for industrial, residential, commercial or institutional project, periodically checking property documents and presenting bylaws violation as per plot size. o Manage the vendors involved in the technical evaluation process. o Train and evaluate the proficiency levels of the team on a regular basis while maintaining TAT targets for the technical evaluation process. o Motivate and manage the team so as to ensure productivity and cost efficiency o Work closely with the legal counterpart on the technical evaluation front. o Carry out spot checks on a frequent basis and maintain an MIS related to the technical evaluation. o Help collections tie-up with brokers and negotiate rates for resale of properties surrendered, takeover through legal process, or any other property bought rented by business. o Help maintain a healthy portfolio through the preparation of feasibility reports, valuation reports, project monitoring reports and market surveys to gather data on the real estate market. o Understand and analyze risks associated with property / project / market / developer and analyze exposure that can be taken. Graduate ( Diploma/ Degree in Civil/ Architecture)

o Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket) o Ensure that the NPA's are kept within assigned budget and active efforts are made to minimize it. o Increase the fee income / revenue and develop intiatives to control and reduce the amount of vendor payouts o Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers. o Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarters o Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT o Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaulting o Represent the organization in front of legal/ statutory bodies as required by the legal team and ensure that the collection team adheres to the legal guidelines provided by the law in force o Allocate work to the field executives and ensure that all the agencies in the location perform as per defined SLA, ensuring payments and audit receipts get deposited within the defined SLA. o Ensure that there is adequate Feet on Street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from all collection executives on delinquent portfolio & initiate detailed account level review of high ticket accounts o Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company Qualification : Post Graduate/Graduate in any discipline

o Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket)o Ensure that the NPA's are kept within assigned budget and active efforts are made to minimize it.o Increase the fee income / revenue and develop intiatives to control and reduce the amount of vendor payoutso Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers.o Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarterso Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TATo Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaultingo Represent the organization in front of legal/ statutory bodies as required by the legal team and ensure that the collection team adheres to the legal guidelines provided by the law in forceo Allocate work to the field executives and ensure that all the agencies in the location perform as per defined SLA, ensuring payments and audit receipts get deposited within the defined SLA. o Ensure that there is adequate Feet on Street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from all collection executives on delinquent portfolio & initiate detailed account level review of high ticket accountso Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company Qualification : Post Graduate/Graduate in any discipline

o Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket)o Ensure that the NPA's are kept within assigned budget and active efforts are made to minimize it.o Increase the fee income / revenue and develop intiatives to control and reduce the amount of vendor payoutso Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers.o Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarterso Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TATo Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaultingo Represent the organization in front of legal/ statutory bodies as required by the legal team and ensure that the collection team adheres to the legal guidelines provided by the law in forceo Allocate work to the field executives and ensure that all the agencies in the location perform as per defined SLA, ensuring payments and audit receipts get deposited within the defined SLA.o Ensure that there is adequate Feet on Street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from all collection executives on delinquent portfolio & initiate detailed account level review of high ticket accountso Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company Qualification : Post Graduate/Graduate in any discipline

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.

To carry out the file audit of assigned locations as per hind sighting process and observe deficiency if any and follow up for their remarks / feedbacks for appropriate closure. Core Responsibilities: o Conduct periodical inspection of disbursed files to ensure process and polices norms are followed, highlighting areas of improvements at regular intervals. o Support the internal customers (credit and operations) team by providing feedback on qualitative processing and supporting improvements. o Implement effective controls and improvements in the process design, system and operation wherever required. o Prepare reports on the documention process adhering to timelines and accuracy. o Review customer data entry - demographic details (including income related & other additional information ), efficiency in LOS/Finone and ensure maximum files are processed and sanctioned with minimium error rate. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Coordinating for NHB & other statutory audit related to file maangement. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Prepare accurate and efficient reports and MIS for the review. o Understand policies and provide training to location teams to ensure process and polices norms are followed. o Ensure all PMAY files are validated before submission of claim to regulator. o Ensure and validate KYC checking at 100% Qualification: Graduate, Masters/Post Graduate

About Navi Navi is one of the fastest-growing financial services companies in India providing Personal Home Loans, UPI, Insurance, Mutual Funds, and Gold. Navis mission is to deliver digital-first financial products that are simple, accessible, and affordable. Drawing on our in-house AI/ML capabilities, technology, and product expertise, Navi is dedicated to building delightful customer experiences. Founders Sachin Bansal Ankit Agarwal Know what makes you a Navi_ite 1.Perseverance, Passion and Commitment Passionate about Navi s mission and vision Demonstrates dedication, perseverance and high ownership Goes above and beyond by taking on additional responsibilities 2.Obsession with high quality results Consistently creates value for the customers and stakeholders through high quality outcomes Ensuring excellence in all aspects of work Efficiently manages time, prioritizes tasks, and achieves higher standards 3.Resilience and Adaptability Adapts quickly to new roles, responsibilities, and changing circumstances, showing resilience and agility Responsibilities - Designing, implementing and maintaining underwriting strategies for the housing loan portfolio; own portfolio risk metrics - Bounces, PAR metrics, Roll rates etc - Develop policies for new products, customer types and collaterali types in line with business requirements (eg loan against properties, self-employed underwriting etc) - Responsible for portfolio monitoring, including creation and maintenance of relevant dashboards for early warning signals - Work on identification of emerging credit risks across portfolio, and drive key initiatives to help achieve objectives of credit risk mitigation and identify policy implementation gaps - Digitization of the processes, instrumentation of data and preparation of digital trackers to monitor the process as well improvement - Collaborate with several stakeholder functions, such as Analytics, Tech, Product, Collections to achieve these outcomes - The approach to this role will involve Reviewing credit underwriting outcomes across various cuts - borrower level, segment level, project level, etc to gather credit insights and make necessary policy modifications, Identifying policy implementation gaps, defining relevant negative signals, etc. Evaluate data sources - including alternate data sources for digital underwriting of housing loans Objective assessments to verify outcomes driven by credit underwriting strategies Own the recommendations made from this process, and action items linked for appropriate conclusions Key Skills Required - 4 -6 years of relevant experience in credit strategy for housing loans - Excellent analytical skills and eye to detail, to be able to look at problems using first principles - Collaborative, effective as well as assertive in interactions with stakeholders - Understanding of financial services in a digital ecosystem would be ideal - Ability to work independently (Individual contributor) as well as with team to drive projects - Hands-on experience with SQL would be a ideal but not mandatory - Strong problem solving skills, business acumen and tech bent of mind - Strong written and verbal communication skills with a talent for articulating.

Roles and Responsibility Manage and oversee the daily operations of the ETS Assessment Services team. Develop and implement project plans, timelines, and budgets to ensure successful project execution. Lead and motivate a team of professionals to achieve project goals and objectives. Coordinate with cross-functional teams to identify and mitigate risks and issues. Monitor and report on project progress, identifying areas for improvement. Ensure compliance with company policies and procedures. Job Requirements Proven experience in project management, with a minimum of 5 years of experience. Strong understanding of project management principles, methodologies, and tools. Excellent leadership, communication, and interpersonal skills. Ability to work in a fast-paced environment and prioritize multiple tasks and projects. Strong analytical and problem-solving skills, with attention to detail. Experience working with ETS assessment services or similar industries is preferred.

About The Role Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Associate Qualifications: BCom Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Conduct detailed research on the financial history of businesses to determine their Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for Looking candidates for Banking Process Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification BCom