1832 Credit Underwriting Jobs - Page 24

Position Overview: The Processor will be responsible for performing a variety of loan documentation duties on complex mortgage loan packages and ensure compliance with policies and procedures for loan products. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Key Responsibilities: • Review Mortgage Loan Applications : Ensure all necessary fields are completed and documentation is in order • Verify Customer Information : Check the accuracy of customers income, asset and credit data and identify any discrepancies • Gather Documentation : Coordinate with mortgage partners to collect missing documents or additional information required for loan processing and underwriting • 3 rd Party Services and Verifications : Request and obtain all third-party documentation and request necessary verifications, including but not limited to: Appraisal Products Title Report and Closing Services Flood Certificate and Flood Insurance Payoffs and Subordinations Homeowner’s Insurance Condominium/HOA Documents Translations Credit Supplements Mortgage Insurance Certificate Tax Transcripts Verifications of Income, Employment, Assets, Mortgage/Rent • Prepare and Process Mortgage Loan Files : Collect, organize, analyze and prepare mortgage loan files for underwriting and closing Review and understand loan conditions and interpret policies and guidelines while analyzing mortgage loan documentation Verify conditions of approval which includes customer income / asset documentation Calculate income, analyze financial statements, validate all liabilities and accurately input all appropriate information into client systems Resolve routine title issues including vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens and reconveyances • Pipeline Management : Keep track of the loan process and provide updates to all relevant loan parties Maintain daily workflow prioritization to ensure pipeline management meets required service level touchpoints and closing dates Adhere to standards to ensure all timeframes and compliance requirements are being met • Customer Service : Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm. Communicate expectations, requirements, and program details though established communication standards to keep all relevant parties informed of loan status Ensure customer service surveys maintain the rating level designated by management Required Skills: Attention to Detail : Ensure all information is accurate and complete Organizational Skills : Manage multiple loan files and tasks and be able to adapt to constant modification of the workflow Communication Skills : Effectively interact with all relevant parties to the loan transaction Time Management Skills : Able to prioritize multiple competing tasks and manage time effectively in a fast-paced environment Analytical Skills : Able to interpret policies and guidelines and problem solve while analyzing customer and loan documentation Computer Proficiency : Use mortgage processing software and customer management systems in a paperless environment Required Experience Minimum 2-4 years Current Mortgage Loan Processing Experience: Includes extensive knowledge of mortgage processing and understanding of entire mortgage loan life cycle: processing, underwriting and closing Minimum 2 years Credit Underwriting Knowledge : Understanding of credit underwriting guidelines for FHLMC and FNMA for both purchase and refinances Typical Work Environment: • Office Setting : 100% of the work opportunities are onsite, and in-person attendance is required. Must be able to work in a fast-paced, potentially stressful environment • Team Collaboration : Regular interaction with management, production teams, and other relevant team members • Work Hours : Must be able to work U.S. business hours. Must be available to work outside of normal business hours when necessary

Responsibilities- Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc. Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis. Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants. Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc. Benchmark borrowers financial performance across competitors and industry benchmarks. Secondary research to gather additional information about the background of management and the borrower. Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: Keen interest towards tech driven new age/ alternate data-based credit decision process. Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. Critical thinker with strong decision-making ability, excellent written and verbal communication. Demonstrated capabilities towards multiple stakeholder management. Knowledge of drafting curated sanction letters and loan agreements will be an added advantage.

TATA AIG General Insurance Company Limited is looking for Senior Manager - SME to join our dynamic team and embark on a rewarding career journey. Provide subject matter expertise in cloud engineering and operations. Develop and implement cloud infrastructure and solutions. Monitor and optimize cloud performance and reliability. Collaborate with cross-functional teams to integrate cloud solutions with existing systems. Ensure compliance with security and regulatory requirements. Prepare and present reports on cloud performance and recommendations for improvement.

: Job Title TFFI Distribution / MEA Distribution (De-risking & Investor Coordination) Corporate Bank TF&L, AVP LocationMumbai, India Role Description Trade Finance and Lending (TF&L) business in Corporate Bank specializes in providing comprehensive financial solutions to support trade finance activities, Working Capital management, corporate loans, Project Finance, Natural Resource Finance and Export Credit Agency (ECA) financing. We are looking for a highly motivated, detail-oriented, and experienced professional to join our Trade Finance & Lending Distribution Team. In this role, you will play a crucial role with the wider onshore team in distributing loans and trade finance products to investors, ensuring efficient transaction execution, and contributing to the business's growth. You will support de-risking and hedging solutions for trades and a select portfolio of TF&L transactions within the APAC region, from strategy to execution. This position offers the chance to work with a global team based in our hubs in New York, London, Germany, Dubai, and Singapore. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Support themanagement of the global TFFI de-risking book, including active monitoring of exposures, performance, and upcoming maturities. Work closely with the regionalDistribution and ICT teamsto: Coordinate investor soundings. Develop and update the investor appetite heatmap across banks and insurers. Assist in origination strategy by providing transparency on available capacity. Support execution of bothportfolio risk participations (PRPs)andsingle-transaction de-risking, ensuring correct documentation and approvals. Contribute to the implementation of atrue originate-to-distribute model, ensuring timely investor engagement on pipeline deals. Coordinate across front, middle, and back-office functions to ensure seamless deal execution, lifecycle management, and investor servicing. Maintain and track investor relationship data, support service-level delivery, and identify investor engagement opportunities. Collaborate with internal teams (Credit Risk, Legal, Insurance, Structuring, TF&L Sales) on transaction onboarding, pricing, and approval workflows. Assist with pitchbooks, term sheets, portfolio dashboards, and internal reports for senior management and investor presentations. Monitor regulatory, macroeconomic, and geopolitical developments in key focus regions (e.g. globally for TFFI and MEA for TF&L) relevant to de-risking and credit distribution. Your skills and experience Business or Masters degree 35 years of experience in trade finance, distribution, credit risk, or related banking/finance roles. Working knowledge ofrisk participations, investor coordination, credit insurance, ECA structures, or structured trade finance products. Familiarity with transaction types such as corporate loans, project finance, guarantees, and supply chain finance is highly advantageous. Strong analytical and documentation skills; comfort with financial data and working with large datasets. Ability to visualize datasets (e.g. via Tableau), create PowerPoint presentations Strong technical affinity and ability to write code is a plus High attention to detail and self-starter mentality Effective communicator with strong English writing and interpersonal skills. Highly organized, proactive, and comfortable working with virtual global teams. Proven ability to manage multiple tasks under tight deadlines in a fast-paced environment. How well support you

: Job Title Corporate Bank Financial Crime Risk, AVP LocationMumbai, India Role Description The Financial Crime Risk Management Function is a Global front office function within Corporate Bank Non-Financial Risk with the primary objective to support the Corporate Bank by focusing on holistic front-to-back risk management of Financial Crime Risk as part of the 1st Line of Defence. The CB NFR teams mandate is to identify non-financial risks such as regulatory, conduct and systemic risks, define mitigation processes for those risks, as well as to develop, implement and monitor Level 1 controls. In addition to working closely with the product, coverage and sales desks, the groups reach and interaction will be broad, including engagement within Corporate Bank (CB) and those functions forming the 2nd Line of Defence within the 3 Lines of Defence (3LoD) program. You will be in the Financial Crime Risk Management Function working as part of the India Desk. You may also participate in some of the cross-CB NFR projects from time to time. What well offer you 100% reimbursement under child care assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Contribute to Governance framework for relevant Financial Crime Risk (help setup and preparation for forums, information flow and tracking of action items and escalations to resolution). Support the execution of the dynamic risk framework and assurance of controls along internal requirements and minimum control standards; as well as identification, definition, and implementation of risk metrics to help measure and manage Financial Crime risk types across CB. Face-off to relevant 2LOD AFC team on upcoming regulatory and policy changes and support implementation of changes related to Financial Crime related policy/procedures across CB businesses. Produce and maintain relevant procedures covering CB division along with nuances for CB products and functions. Help run Governance Meetings, validate existing risk items, update progress status and work with relevant stakeholders on key risk items, mitigation factors adopted/ to be adopted. Execute on the findings book of work in CB for Financial Crime risk related items and appropriate MI/Reports. Participate in Global/regional projects and initiatives related to regulatory developments and policy changes affecting CB. Develop professional working relationships with colleagues, business and respective supporting teams. Your skills and experience At least 5 years of proven experience in non-financial risk management domain combined with strong knowledge of Corporate Bank business. Strong background/knowledge of Financial Crime risk topics balanced with Client Centricity. Experience of working with an interface to a regulator will be a Plus. Demonstrated experience in setting up Governance structures in Financial Crime Risk area. Excellent analytical, decision-making & problem-solving skills. Logical thinker with a strategic mindset and exceptional tactical execution skills Highly motivated to drive change, self-reliant, adaptable with a structured way of working with high willingness to take responsibility, and ability to deliver highest level of quality under time pressure. High appreciation as well as ability to formulate a fact based, independent and objective viewpoint; good presentation / communication skills sufficient to convey complex conceptual information / ideas on issues requiring interpretation and opinion and ability to interact effectively with stakeholders and line managers Team player with the ability to address ad-hoc requests, take on a significant amount of work across multiple tasks and topics; proven ability to work in a globally divers team; attention to detail and ability to prioritize workload Excellent English language skills. Excellent German language skills a Plus. Strong proficiency of MS Office (Excel, PowerPoint, Word) and understanding of relational database and reporting tools How well support you About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

We are looking for a skilled professional to fill the role of Associate General Manager-TSD at PIRAMAL ENTERPRISES LTD, located in [location to be specified]. The ideal candidate will have a strong background in Biotechnology/Pharmaceutical/Clinical Research and 6-10 years of experience. Roles and Responsibility Develop and implement strategic plans to achieve business objectives. Lead cross-functional teams to drive growth and innovation. Collaborate with stakeholders to identify and mitigate risks. Analyze market trends and competitor activity to inform decisions. Build and maintain relationships with key customers and partners. Drive process improvements to increase efficiency and productivity. Job Requirements Proven track record of success in a similar role. Strong leadership and management skills. Excellent communication and interpersonal skills. Ability to analyze complex data and make informed decisions. Experience in change management and organizational development. Strong problem-solving and project management skills.

What you will work on: Experience in making CAM (Credit Assessment Memo) sheets and pulling consumer and commercial CIBIL reports Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money Ensure quick turnaround of customer loan applications, including credit analyses and summaries of loan requests, and submit to credit managers for tele PD / Physical PD Analyze lending decisions accept and reject cases on an ongoing basis Generate financial ratios to evaluate customers' financial status. The ideal candidate: Highly driven and motivated individual with ability to get hands-on where required Excellent communication and documentation skills Proficient in MS Excel and ability to prepare reports Qualification and Experience: At least 1-3 Years experience in Credit and Risk department of Banks, NBFCs Experience in Business Loans. Minimum qualification- Graduation MBA/ Credit Risk course in Banking will be an added advantage

Job Summary: We are seeking an experienced and dynamic professional to lead our Regional Hub Operations as Director . The ideal candidate must have hands-on experience with machine loans, Industrial LAP (Loan Against Property) , and solar rooftop funding . This strategic role involves overseeing end-to-end operations, driving digital innovation, optimizing regional performance, and ensuring seamless delivery of software product solutions. Key Responsibilities: Oversee day-to-day operations of the Regional Hub including loan processing, approvals, and partner integrations. Lead the deployment of digital solutions supporting machine loans, industrial LAP, and solar rooftop funding workflows. Collaborate with product and technology teams to tailor software applications to business needs. Monitor key operational metrics and drive process improvements for enhanced efficiency and customer satisfaction. Ensure compliance with regulatory guidelines across all financing products handled in the region. Establish and nurture partnerships with vendors, financial institutions, and service providers. Lead a cross-functional team including engineering, customer service, and business operations professionals. Mentor and develop junior leaders and staff across the hub. Drive adoption of automation and digital transformation in the regional operations framework. Required Skills & Experience: Proven leadership in managing regional or zonal operations, preferably in a fintech, lending, or NBFC environment. In-depth knowledge and practical experience in handling machine loans, Industrial LAP, and solar rooftop funding. Strong understanding of loan lifecycle management, risk assessment, and credit underwriting. Ability to bridge operational goals with technical solutions and software development practices. Exceptional stakeholder management and communication skills. Demonstrated success in scaling regional operations and building high-performance teams. Desirable Skills: Exposure to AI/ML-based loan risk modeling tools is a plus. Experience with ERP integrations and third-party financing platforms. Strong analytical and problem-solving skills with data-driven decision-making abilities.

Key responsibilities: Support credit underwriting through detailed financial modeling, ratio analysis, and forecast building. Perform bottom-up analysis of company financial statements, capital structure, and liquidity Draft initial credit reports and background summaries based on deal information and reporting disclosures. Participate in case reviews by analyzing the business model, industry risks, and financial health Reconcile historical financials under IFRS, identify adjustments, and assist in alignment with deal templates Collaborate with lead analysts and onshore counterparts for data validation, clarification and memo finalization Handle recurring quarterly monitoring updates, including LTM vs. Q metrics and variance tracking Skill requirements: Proficient in corporate financial modeling and credit metrics analysis (interest coverage, leverage and DSCR etc.) Strong understanding of IFRS-based reporting, including EBITDA reconciliation and lease adjustments Ability to manage multiple cases independently with attention to accuracy and turnaround timelines Strong written and communication skills for clear drafting memo and stakeholder interaction Preferred: CFA level 2 cleared candidate Exposure to sector-agnostic environment Familiarity with leveraged loan and high-yield credit analysis

Sr Credit Analyst - Commercial Real Estate Key Responsibilities Credit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector. Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers. Portfolio Monitoring: Track loan performance, flag risks, and assist in credit monitoring processes. Industry & Market Analysis: Stay updated on CRE market trends, regulatory changes, and industry developments. Reporting & Documentation: Prepare credit reports, risk assessments, and internal presentations for senior management review. Regulatory Compliance: Ensure adherence to internal policies and regulatory guidelines for credit underwriting. Stakeholder Coordination: Work closely with business teams, credit committees, and external agencies for smooth credit evaluation.' Key Skill & Qualifications Education: CA, MBA (Finance), CFA, or equivalent. Experience: 5-10 years in credit risk assessment, financial analysis, and loan structuring. Technical Skills: Strong financial modeling, credit analysis, and proficiency in MS Excel. Analytical Expertise: Ability to assess financial risks, borrower credibility, and loan structuring strategies. Communication: Excellent report-writing and presentation skills. Location: Bangalore-based candidate preferred.

Roles and Responsibilities Manage credit proposals from sourcing to disbursement, ensuring timely decision-making and high-quality appraisal reports. Conduct thorough credit analysis, assessment, and evaluation of loan applications within defined policy guidelines. Develop strong relationships with customers through effective communication and negotiation skills. Collaborate with internal teams to resolve customer queries and issues related to loan processing. Ensure compliance with regulatory requirements, risk policies, and procedures. Desired Candidate Profile 5-10 years of Credit Underwriting experience in Unsecured Lending (Business Loans) or similar roles. Strong understanding of Credit Underwriting principles, practices, and regulations. Excellent analytical skills for conducting comprehensive credit assessments and evaluations. Ability to work independently with minimal supervision while maintaining high levels of accuracy and attention to detail. Interested candidates can share their updated resume to Maruthu.PandianP@Piramal.com or whatsapp - 7305615420

Responsibilities Review financial and non-financial data of buyers Recommend credit limits and underwriting strategies Coordinate with credit agencies for reports Prepare and share MIS and internal reports Monitor buyer performance and risk

We are looking for a highly experienced and skilled professional with 1 to 2 years of experience to lead our team as a Zonal Sales Manager in Ranchi. The ideal candidate will have a strong background in sales management, business development, and team leadership. Roles and Responsibility Develop and implement effective sales strategies to achieve business objectives. Lead and manage a team of sales professionals to drive revenue growth. Build and maintain relationships with key stakeholders, including customers, partners, and internal teams. Analyze market trends and competitor activity to identify new business opportunities. Collaborate with cross-functional teams to develop and launch new products and services. Monitor and control expenses to ensure profitability and efficiency. Drive business growth through the identification of new market segments and optimization of sales and revenue. Lead a sales team of Regional Sales Managers and Cluster Managers to expand the Business Correspondent (BC) network of various financial institutions and direct sales channels. Manage loan product operations, achieving business goals and increasing sales growth. Identify new market segments to meet periodical targets and build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, and Small Finance Banks to offer an array of financial products and services for channel partners. Manage collection teams to achieve monthly collection targets and monitor fresh OD & NPA collections & settlements. Innovate and develop retail asset products, such as JLG Loans, Secured & Unsecured MSME Loans, tailored to target customers and geographies. Assess potential client base and product acceptability in new regions, areas, and opportunities for geographical expansion of operational areas and setting up new business correspondence alliance partners. Ensure business growth and diversity of products in the region according to the business plan and create a support function structure aligned with product requirements to facilitate appraisal, documentation, disbursement, repayment, and delinquency management. Formulate preventative/risk averse measures to maintain a quality portfolio and handle workforce planning, recruitment, and training suited for managing various asset products across geographies. Ensure staff skill development through regular meetings and continuous monitoring of clusters by identifying training needs based on market trends and new business opportunities. Maintain resource optimization and operational cost while handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR, and other related issues in your region. Implement best business practices and develop company strategies and programs while ensuring strict compliance and integrity. Job Minimum 1 year of experience in sales management or a related field. Post Graduate/Graduate degree in any discipline. Strong understanding of credit underwriting, legal and governance requirements, and technology and automation. Excellent business acumen, sourcing, and portfolio management skills. Ability to work in a fast-paced environment and drive results-oriented sales teams. Strong communication and interpersonal skills. Experience working in a NBFC, NBFC MFI, SFB, or Bank. At least 5 years as a Regional/Zonal Manager in a leadership role. Familiarity with the business correspondent model working with top lending institutions. Well-versed with Microfinance & MSME lending compliance. Must be familiar with business correspondent models working with top lending institutions. Must be well-versed with Microfinance & MSME lending compliance. TitleZonal Sales Manager - MFB - Ranchi - Bansal Plaza - MM, ref=6588772

We are looking for a skilled professional with 5 to 15 years of experience to join our team as a Manager - Retail Credit - Housing - EM in Rajahmundry. Roles and Responsibility Manage and oversee the retail credit housing process, ensuring timely and efficient loan disbursement. Develop and implement strategies to enhance customer satisfaction and loyalty. Collaborate with cross-functional teams to achieve business objectives and goals. Analyze market trends and competitor activity to identify growth opportunities. Ensure compliance with regulatory requirements and internal policies. Lead and motivate a team of credit professionals to achieve sales targets and performance metrics. Job Requirements Minimum 5 years of experience in retail credit or related fields, preferably in banking or financial services. Strong knowledge of housing finance, mortgage loans, and related products. Excellent communication, leadership, and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Experience working with electronic systems and software applications.

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED & UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED & UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion & documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& live Organizational values.

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED & UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED & UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion & documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& live Organizational values.

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED & UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED & UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion & documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& live Organizational values.

We are looking for a highly skilled and experienced Credit Manager to join our team in Erode. The ideal candidate will have 2-5 years of experience in the field. Roles and Responsibility Review and assess complex loan applications within defined guidelines, making decisions or recommending approval to higher authorities. Underwrite proposals as per laid down policies and procedures to meet business volumes and agreed SLAs. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and possess in-depth knowledge of ratio calculations and their impact on loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster, regularly reporting the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems. Exceed service quality standards and strive for continuous process improvement. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to facilitate approving authority decision-making on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and effectively monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a strong academic record. Minimum 2 years of experience in credit management, preferably in housing finance. Strong knowledge of credit underwriting, risk assessment, and portfolio management. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and stakeholders. Proficiency in MS Office and other relevant software applications. Ability to work in a fast-paced environment and meet deadlines. CertificationsCA/MBA (Preferable). Additional Info The selected candidate will be required to manage a team of credit analysts and sales professionals.

We are looking for a highly skilled and experienced professional to lead our Internal Control and Quality team in Noida, responsible for ensuring the highest standards of quality and compliance across our microfinance branches. The ideal candidate will have a strong background in finance and accounting, with excellent analytical and problem-solving skills. Roles and Responsibility Lead the Internal Control and Quality team for the North Zone, ensuring effective implementation of internal controls and quality processes. Execute audits at branches and regions according to the Audit Plan drawn up by the Head Credit. Conduct periodic investigations into process adherence across regions for microfinance branches. Follow up on audit findings and implement corrective actions as per Operations policy, Rules & Regulations. Gather field intelligence and customer insights from a team of quality assurance executives. Ensure 100% quality compliance against observations highlighted by the quality team within a timebound manner. Take disciplinary action against deviant behavior or deliberate attempts to violate processes. Check and ensure branch-level compliances from both administrative and statutory perspectives. Anchor monthly quality reviews at the regional level, summarizing root causes and promising follow-up analysis, while guiding the business team on overdue follow-ups. Coordinate with the corporate office to support business functions regarding reports, TAT, grievances, and project execution. Manage the Credit function for microenterprise loans. Conduct market research when needed for specific purposes. Job CA / MBA Finance qualification with a minimum of 8 years of experience in finance and accounting. Possess strong knowledge of credit underwriting, scorecards, and legal requirements. Demonstrate good understanding of technology and automation. Exhibit excellent analytical, problem-solving, and communication skills. Ability to work effectively in a fast-paced environment and meet deadlines is essential. Strong leadership and team management skills are required. Experience in managing teams and executing projects is necessary. Understanding of critical attributes of legal and governance requirements is expected. Be well-versed in understanding credit underwriting and scorecards. A graduate degree is also acceptable for this position.

We are looking for a highly skilled and experienced Credit Executive to join our team in Jaipur. The ideal candidate will have 2-5 years of experience in the banking or financial services industry, with expertise in credit underwriting, disbursements, collateral management, and coordination with cross-functional sales operations. Roles and Responsibility Conduct personal discussions on cases according to laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines for completing assigned activities. Protect company assets through proper evaluation of all credit requests, establishing credit limits, and ensuring adequate documentation and security. Communicate credit decisions effectively to stakeholders. Enhance underwriting efficiencies while ensuring risk management. Perform Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances, and ICQ Observation Closure. Job Minimum 2 years of experience in the banking or financial services industry. Strong skills in underwriting, disbursements, collateral management, and coordination with cross-functional sales operations. Ability to work in a fast-paced environment and meet deadlines. Excellent communication and interpersonal skills. Strong analytical and problem-solving skills. Ability to maintain confidentiality and handle sensitive information. Educational qualificationsAny Graduate or Postgraduate degree. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer service and building long-term relationships with its clients.

We are looking for a highly skilled and experienced Credit Executive to join our team in Jhalawar. The ideal candidate will have 2 to 7 years of experience in the banking or financial services industry, with expertise in underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Roles and Responsibility Conduct personal discussions on cases according to laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines for completing assigned activities. Evaluate credit requests, establish credit limits, and ensure all loans are adequately documented and secured by appropriate collateral. Communicate credit decisions effectively to stakeholders. Enhance underwriting efficiencies while ensuring adequate risk management. Perform Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances, and ICQ Observation Closure. Job Minimum 2 years of experience in the banking or financial services industry. Strong skills in underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Ability to evaluate credit requests, establish credit limits, and ensure proper documentation and security. Excellent communication skills for effective stakeholder interaction. Ability to improve underwriting efficiencies while managing risks. Familiarity with loan account verification, cross verification, KYC check, bank passbook check, income and expense assessment, and CPC checklist verification.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in the leasing and credit appraisal department based in Delhi. The ideal candidate will have a strong background in corporate finance and credit risk management. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Engage in development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the competency of the team. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Develop, implement, review, and monitor various credit programs and provide training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Evolve underwriting norms customized to local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance, credit risk management, or a related field. Possess strong knowledge of credit underwriting, credit appraisal, and credit risk management principles. Demonstrate excellent leadership and team management skills, with the ability to lead a team of credit approvers. Exhibit strong analytical and problem-solving skills, enabling sound decision-making in complex situations. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a highly skilled and experienced Area Credit Manager to lead our retail credit team in Thiruvananthapuram. The ideal candidate will have 6-9 years of experience in the banking or financial services industry, with a strong background in credit underwriting and portfolio management. Roles and Responsibility Manage a team of Branch credit managers and Credit Executives to achieve business objectives. Conduct personal discussions with customers to establish creditworthiness and make informed decisions. Ensure pre and post sanction credit risk compliance to maintain high standards. Control delinquencies through portfolio review, particularly monitoring non-starters. Coordinate with sales teams to achieve targets and ensure timely completion of tasks. Support and train the team of Credit Managers/officers to enhance their skills and knowledge. Job Graduate in any discipline with a strong academic record. Minimum 6 years of experience in credit underwriting and portfolio management. Possess strong knowledge of credit principles, practices, and regulations. Demonstrate excellent communication, leadership, and interpersonal skills. Ability to work closely with regional Credit Managers and internal teams like ICQ, Operational, and Sales. Strong analytical and problem-solving skills are required to control portfolio performance and manage risks.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Lucknow. The ideal candidate will have 6-8 years of experience in corporate finance, credit appraisal, and portfolio management. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Possess strong knowledge of corporate finance, credit appraisal, and portfolio management. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong communication and interpersonal skills are required.

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in Kolkata. The ideal candidate will have a strong background in corporate finance and credit appraisal, with excellent analytical and leadership skills. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Engage in development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the competency of the team. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Develop, implement, review, and monitor various credit programs and provide training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Evolve underwriting norms customized to local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance and credit appraisal. Possess strong knowledge of credit policy, underwriting, and risk assessment. Demonstrate excellent analytical, leadership, and communication skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong attention to detail and organizational skills are required.