1832 Credit Underwriting Jobs - Page 21

Monitoring their FTR trends, identifying training gaps and regular trainings, the role would involve coordination for mapping issues and technical issues, the role would own end to end the TAT servicing by the CO structure to the sales teams. "1 Maintain TAT of 24hours for all assigned credit underwriting at branch 2 Ensure monthly trainings of Branch Loan officers on latest product updates3 Maintain FTR of the branch at 90% levels through daily briefings on file wise errors4 Ensure branch compliances by pointing deficiencies to RM ICQ5 Detailed RCA for OD cases6 Acting in the role of Branch manger in his absence for the purposes of cash deposition and Disbursement. " Qualification : Graduate in any discipline

Job Description Key Objective of the Job: Credit analysis of proposal and preparation of credit notes. Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality. Meeting new customers and existing customers on regular basis Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures Ensure continuous monitoring for all high value exposures in the region Major Deliverables: Quality of Credit Underwriting Portfolio Performance w.r.t. delinquencies, deferrals, Annual reviews/ renewals etc Portfolio Monitoring To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc To raise early warning signals for exit of stress accounts and take due measures for timely exit. To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.

Job Description Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations.

Job Description Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations.

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.

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.

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.

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.

JOB DESCRIPTION Job Purpose This position is open with Bajaj Finance ltd.” Credit Analyst for Preparation of Credit Appraisal Memo (CAMs) and underwriting of corporates for Commercial Lending Vertical of Bajaj Finance Ltd. The job role includes analyzing the proposal in details including business model, Industry analysis, financial spreads, projections and risks and mitigants. An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management. Duties and Responsibilities Preparation of Credit Appraisal Memo’s (CAM) covering details of financials, business, industry and management while maintaining quick TATs. •Understanding of financials and due diligence process for lending to be carried out as per the Lending programs for Commercial lending division of Bajaj Finance Limited •Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified to ensure NIL delinquency in the Portfolio. •Ensure & review that the covenants & conditions as per sanctioned terms are regularly monitored. •Monitoring of the end user industries covering the existing and prospective portfolio and identify any early warning signals •Regular tracking of progress on the agreed key metrics towards delivering on the strategy. •Track developments in the respective markets and provide feedback to the management team Required Qualifications and Experience Educational Qualifications a)Qualifications CA/MBA in Finance b)Work Experience a)Minimum 2 years in the Corporate Lending industry, preferably with a reputed Bank / NBFC. b)Exposure in u/w for Corporate Clients would be preferred. Contact Person - MitaliSingh, 9699042721 HR Team Bajaj FinServ

Keyloop bridges the gap between dealers, manufacturers, technology suppliers and car buyers. We empower car dealers and manufacturers to fully embrace digital transformation. How? By creating innovative technology that makes selling cars better for our customers, and buying and owning cars better for theirs. We use cutting-edge technology to link our clients’ systems, departments and sites. We provide an open technology platform that’s shaping the industry for the future. We use data to help clients become more efficient, increase profitability and give more customers an amazing experience. Want to be part of it? Job Role & Responsibility: Experience of working in an admin role or a similar role Good communication and interpersonal abilities Excellent organisational skills Good knowledge of Microsoft tools – word, excel Be able to demonstrate a meticulous attention to detail Ability to work to strict timescales in a fast-paced environment and deadlines and prioritise work. Team player Be self-disciplined, reliable, and capable of working to set time frames Be able to communicate effectively on the phone if required Completing customer care responses within the required timescale Communicating / emailing the various documentation to Customers, internal staff as required Prepare and respond on any copy invoices, statement requests or basic customer queries To maintain good and effective working relationships with the Collections team Be highly self-motivated, able to work independently and within a close-knit team Why join us? We’re on a journey to become market leaders in our space – and with that comes some incredible opportunities. Collaborate and learn from industry experts from all over the globe. Work with game-changing products and services. Get the training and support you need to try new things, adapt to quick changes and explore different paths. Join Keyloop and progress your career, your way. An inclusive environment to thrive We’re committed to fostering an inclusive work environment. One that respects all dimensions of diversity. We promote an inclusive culture within our business, and we celebrate different employees and lifestyles – not just on key days, but every day. Be rewarded for your efforts We believe people should be paid based on their performance so our pay and benefits reflect this and are designed to attract the very best talent. We encourage everyone in our organisation to explore opportunities which enable them to grow their career through investment in their development but equally by working in a culture which fosters support and unbridled collaboration. Keyloop doesn’t require academic qualifications for this position. We select based on experience and potential, not credentials. We are also an equal opportunity employer committed to building a diverse and inclusive workforce. We value diversity and encourage candidates of all backgrounds to apply .

Underwriting of Loan Applications for Home Loans and Mortgage Loans from Salaried and Self Employed profile all branches of South India adhering to the policies and guidelines laid by the company. High levels of quality of underwriting to be maintained and applications to be processed within the prescribed timelines. To conduct Tele PD with Salaried as well as Self Employed customer and to understand about the profile of the salaried customer and understand about the business, his financials Ability to build high quality retail portfolio. Co-ordination with other internal verticals which includes Sales, Operations, Non CPU Credit Team at branches. Co-ordination and follow up with external vendors for PD reports, FI reports and to ensure reports are received and updated as per the timelines. Ability to understand the customer requirements and to structure the loan application best suited program according to the profiles. Ensure the successful adoption of internal compliances & regulatory framework across the business. Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation. Language proficiency in Kannada, Tamil and Malayalam is required mandatorily Role & responsibilities

Job Title: Regional Credit Manager (Used Commercial Vehicle) Location: Vadodara Key Responsibilities: * Proving training time on time to branch credit & upgrading to them. Responsible for branch credit work & process & all over TAT. Doing PD / site visit on cases providing feedback and recommendation. To providing suggestion on policy and process time on time. Maintaining MIS of branch / regional credit. Interact closely with others function i.e. sales/operation/collection/policy/products etc. Close monitoring on nonstarters bounce trends knowing channels and theirs sourcing patterns. Ensuring regularization of PDD of operation, credit and other docs and close monitoring of the same and updated within acceptable timeline. Proving local Market feedback for product time on time. Highlighting the areas of business opportunities and extend support to the business units on the same. Monitoring all channels and identifying good and bad channels and as per sourcing and delinquency trends, ensuring remedial measures and actions on bad channels involving the sourcing channels. Audit compliance on all aspects stipulated by head office and regulatory compliance for the region. Ensuring a smooth day to day functioning of the region. Coordinate with HO and branches team. Requirements: * Graduate/Postgraduate (Finance/Commerce). * Strong credit assessment & risk skills. * Good communication & MS Office proficiency. Contact Person: Jinu John ta_hr13@mas.co.in | WhatsApp: 9718411150

Roles and Responsibilities Conduct credit analysis, appraisal, and assessment of loan applications within TAT. Perform pre-underwriting activities such as data verification, KYC checks, and collateral evaluation. Ensure compliance with regulatory requirements and internal policies during the entire loan processing cycle. Collaborate with sales teams to provide timely approvals and disbursements for customers' financial needs. Identify potential risks and escalate them to senior management for further review.

Job Title: Senior Credit Underwriter Location: Hyderabad, Mindspace Experience: 4+ Years Position Type: Full-time Shift Timings: 6:00 PM to 3.00 AM (Based on day light saving) Work Model: WFO No transport facility At Palni , we are seeking an experienced Credit Underwriter to support our clients credit team. This role is pivotal in managing underwriting, pricing, loan performance, and collections , with a direct impact on customer-level P&L . As part of our Credit Team , you will make data-driven business decisions to optimize lending margins while leveraging analytics to refine policies and pricing strategies. Key Responsibilities: Analyze financial data to assess the creditworthiness of small to mid-sized businesses . Apply underwriting expertise to make informed credit decisions within existing policy frameworks. Engage directly with customers to understand their business models and borrowing needs . Independently manage an underwriting pipeline , ensuring efficient decision-making. Drive improvements in underwriting policies and procedures as needed. Collaborate with credit/risk teams and leadership to enhance automated credit decisioning. Maintain strong relationships with internal stakeholders and management . Qualifications & Skills: Bachelor’s degree required (preferably in a business-related field). 4+ years of professional experience in small business lending underwriting . Proficiency in analysing financial documents , including tax returns, bank statements, financial statements, and credit reports . Strong understanding of business underwriting principles , small business lending risks, and lending regulations . Excellent written and verbal communication skills with the ability to present financial data clearly. Strong analytical and problem-solving skills with a detail-oriented mindset. Comfortable working in a fast-paced environment with minimal supervision. Ability to work independently and deliver high-quality results.

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions Handle oversight & review of central underwriting of Used Car/ Unsecured Business Loan in the mapped cluster. Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch Functionally manage the central credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the central credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of central credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile 5-10 years of relevant experience in Central underwriting Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

ABOUT US Piramal Group is a global business conglomerate with diverse interests in Pharma, Financial Services and Real Estate. The Group has offices in over 30 countries and a global brand presence in more than 100 markets. Led by Mr. Ajay Piramal, the Chairman, Piramal Group is a torchbearer of trusteeship and responsible business ethos. Based on the philosophy of Doing Well and Doing Good, the Group continues to create long-term value for its stakeholders and the community at large. Piramal Retail Finance, the consumer lending platform of Piramal Enterprises Limited, engages in various financial services businesses. It is focused on serving all lending needs of consumers and small businesses across Bharat, differentiating through product personalisation & superior customer experience. currently offers multiple products in its target markets including Affordable Housing loans, Mass Affluent Housing loans, Loans Against Property, Secured Small Business Lending, Digital Purchase Finance, Digital Personal Loans, and Used-Car loans across Tier I, II and III cities. Focused on building strong partnerships, the Company offers an Artificial Intelligence (AI) enabled multi-product retail lending platform by augmenting a Digital at its Core’ strategy via physical customer connect-points for budget customers of Bharat. Its vision is to reach to ‘Bharat’ customer segments, especially those that do not have easy access to the Indian financial systems, across geographies. Internal Use--Confidential Credit Manager Business Unit: PCHFL Branch Underwriting Vertical Location: - 1A/1B/1C Band/Grade Department: Branch Underwriting Degree of travel required Moderate Purpose of Job: Piramal Capital & Housing Finance ltd., as a commitment to serve all lending needs of consumers of “Bharat” is hiring Credit manager for its retail business. The person will be responsible for analysing the customer credit profile including financials and cash flow analysis for both salaried & self-employed segments, conducting personal discussions and underwrite / sanction the case. External Internal Key Stakeholders: • Credit Head for HFC • Customers • Risk & Compliance team • Vendors • Credit Analyst and Operations • Internal auditors • Legal team • Credit Bureaus • Sales team • Collections team Reporting Structure: Essential Qualifications: Role directly reports to Positions that reports into this role Area Manager - Credit Underwriting - • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate • 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) • Deep experience & understanding of retail financial services across NBFCs, banking Essential Experience / skills: • Knowledge of local markets and trends in retail lending • Understanding of local business and micro economy • Ability to work under tight deadlines and to prioritize conflicting and changing priorities • Keen understanding and focus on risk, controls, compliance and regulatory framework • Ability to liaise with internal stakeholders and cross-functional teams • Strong customer focus and management of stakeholder expectations • Strong analytical & communication skills (written & verbal) • Should be willing to adapt to digital tools and processesRoles and responsibilities • Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales Continued • Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD • Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD • Analyse all customer related information in line with credit & risk policy to check eligibility • Understand actual business income & expenses (other than reported income) of customer • Interpret results of financial analysis, banking analysis and bureau reports • Study, analyse and interpret legal & technical reports of property and other internal check reports • Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility • Revert on post sanction conditions prior to disbursement based on queries raised by the team • Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix • Co-ordinate and communicate with different departments • Maintain TAT as per guidelines • Adhere to the policy/ process laid out by the Central team on all loan applications being processed • Closely monitor on non-starters/first EMI bounce trends • Ensure compliance on all aspects stipulated by company and regulatory committees • Maintain and report various MIS to monitor portfolio performance and risk • Continuously improve underwriting capability based on portfolio performance Key performance indicators • Disbursement Amount • Quality of Book • Business Process • TAT for File Movement • Adherence to credit norms & sanctioning conditions Core Competency: • Strong Management and Leadership Skills - Lead by example with good team management skills • Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence • Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams • Team - Work & Collaboration - Fosters a culture of trust, collaboration and support • Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback • Innovation – Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success • Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships Interested Eligible Candidates email updated resume Copy Regards, Reena.rai@piramal.com

Essential Qualifications: Role directly reports to Positions that reports into this role Area Manager - Credit Underwriting • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate • 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) • Deep experience & understanding of retail financial services across NBFCs, banking Essential Experience / skills: • Knowledge of local markets and trends in retail lending • Understanding of local business and micro economy • Ability to work under tight deadlines and to prioritize conflicting and changing priorities • Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams • Strong customer focus and management of stakeholder expectations • Strong analytical & communication skills (written & verbal) • Should be willing to adapt to digital tools and processes Roles and responsibilities • Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales • Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD • Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD • Analyse all customer related information in line with credit & risk policy to check eligibility • Understand actual business income & expenses (other than reported income) of customer • Interpret results of financial analysis, banking analysis and bureau reports • Study, analyse and interpret legal & technical reports of property and other internal check reports • Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility • Revert on post sanction conditions prior to disbursement based on queries raised by the team • Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix • Co-ordinate and communicate with different departments • Maintain TAT as per guidelines • Adhere to the policy/ process laid out by the Central team on all loan applications being processed • Closely monitor on non-starters/first EMI bounce trends • Ensure compliance on all aspects stipulated by company and regulatory committees • Maintain and report various MIS to monitor portfolio performance and risk • Continuously improve underwriting capability based on portfolio performance Core Competency: • Strong Management and Leadership Skills - Lead by example with good team management skills • Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence • Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams • Team - Work & Collaboration - Fosters a culture of trust, collaboration and support • Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback • Innovation Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success • Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions Handle oversight & review of central underwriting of HF & Mortgage loans Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch Functionally manage the central credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the central credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of central credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile 5-10 years of relevant experience in Central underwriting Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

Essential Qualifications: Role directly reports to Positions that reports into this role Area Manager - Credit Underwriting • Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate • 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) • Deep experience & understanding of retail financial services across NBFCs, banking Essential Experience / skills: Knowledge of local markets and trends in retail lending • Understanding of local business and micro economy • Ability to work under tight deadlines and to prioritize conflicting and changing priorities • Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams • Strong customer focus and management of stakeholder expectations • Strong analytical & communication skills (written & verbal) • Should be willing to adapt to digital tools and processes Roles and responsibilities • Responsible for upholding the Piramal brand by preparing quality proof proposal document detailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loan applications procured by Sales • Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD • Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD • Analyse all customer related information in line with credit & risk policy to check eligibility • Understand actual business income & expenses (other than reported income) of customer • Interpret results of financial analysis, banking analysis and bureau reports • Study, analyse and interpret legal & technical reports of property and other internal check reports • Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility • Revert on post sanction conditions prior to disbursement based on queries raised by the team • Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix • Co-ordinate and communicate with different departments • Maintain TAT as per guidelines • Adhere to the policy/ process laid out by the Central team on all loan applications being processed • Closely monitor on non-starters/first EMI bounce trends • Ensure compliance on all aspects stipulated by company and regulatory committees • Maintain and report various MIS to monitor portfolio performance and risk • Continuously improve underwriting capability based on portfolio performance Core Competency: • Strong Management and Leadership Skills - Lead by example with good team management skills • Execution & Delivery - Takes ownership providing timely and result oriented solutions with operational excellence • Accountability - Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams • Team - Work & Collaboration - Fosters a culture of trust, collaboration and support • Effective Communication - Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback • Innovation Self driven and encourages others to actively look beyond boundaries for new insights and opportunities for success • Customer Service Orientation - Identifies and anticipates customer needs and responds to them by maintaining long term relationships Regards, Nagapurniah Email : nagapurnaiah.madugula@piramal.com Ph : 9000498401

ob description Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions Handle oversight & review of central underwriting of HF & Mortgage loans Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch Functionally manage the central credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the central credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of central credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile 5-10 years of relevant experience in Central underwriting Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility Role & responsibilities Interested candidates can apply on the link as below: https://piramalgroup.darwinbox.in/jobs/jobsdetailed/id/a650000ffb8da4/grp_company/a64507a9f13536/custom_source/naukri

Roles and Responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions Handle oversight & review of credit underwriting of Housing finance in the mapped cluster. Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Desired Candidate Profile Sanction to Disbursement TAT Adherence to credit norms & sanctioning conditions Customer service Audit and compliance Portfolio Quality Must have experience in Home Loan & Loan Against Property Job Location: Chennai - Kelambakkam, Nanganallur and Porur If interested, Please share your updated resume to maruthu.pandianp@piramal.com

Role & responsibilities Responsible for sanction decisioning in consideration with updated policies and processes of the organization basis the limit set in the deviation matrix Effectively engage with functional heads in the region (Sales, Operations, Risk etc) to understand and contribute to improvement of regional performance across locations Periodically monitor regions productivity while tracking portfolio quality and act as a feedback loop between the region and head office to ensure alignment to organizational goals Supervise and monitor the area credit team for prompt and quality credit processing while ensuring their adherence to the laid down policies & processes Coordinate with Collections team to elicit business insights and introduce necessary changes in the policies to mitigate risks Stay abreast with the best practices across the industry and present the same for improving internal processes and policies Assess deviations raised and documented by underwriters in compliance with credit policy. Monitor compliance to the credit policy and processes to ensure that the delinquencies are kept under the identified targets Minimize audit deviations by ensuring compliance to all credit related policies & processes for the region Track and analyze reports and MIS, review and implement performance sheets and provide feedback for course correction Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile 10-15 years of relevant experience as an Regional/ Cluster/Area Credit Manager in a large HFC/NBFC Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Deep experience & understanding of retail financial services across NBFCs, banking Knowledge of local markets and trends in retail lending Ability to liaison & follow-up with external and internal stakeholders

Role & responsibilities Evaluate potential customers' credit worthiness Maintain detailed records of company loans Approve or reject loan requests from customers Calculate and set loan interest rates Monitor customers' loan payments Review and update the company's credit policy when necessary Create a credit scoring model to assess risks Preferred candidate profile Qualifications - Graduation/Post Graduation Years of Experience - 4 to 5 years in credit profile We are open for multiple locations in Gujarat - Ahmedabad Vadodara Jamnagar Mehsana Rajkot Surat Jamnagar Interested candidates may share CV at samiksha.shewale@piramal.com with subject CV for BCM (Preferred location)

Role & responsibilities : Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile : 10-15 years of relevant experience in Credit underwriting high value LAP Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

Role & responsibilities : Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile : 10-15 years of relevant experience in Credit underwriting high value LAP Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility