1842 Credit Underwriting Jobs - Page 32

We are looking for a highly skilled and experienced professional to join our team as a Manager - Retail Credit in Nanded. The ideal candidate will have 3-8 years of experience in the field. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. 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 calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. 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 support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage and home loan businesses in close liaison with the sales team. Undertake ongoing review of credit exposures to maintain bankability standards. Facilitate critical review and documentation of proposals and 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. CA/MBA certification is preferable. Possess strong knowledge of housing finance, credit underwriting, and retail credit. Demonstrate excellent communication and interpersonal skills. Ability to work effectively in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills.

We are looking for a skilled Regional Credit Manager to manage all activities pertaining to the sanction life cycle of all borrower accounts in Mumbai. The ideal candidate will have 11-31 years of experience and support and co-partner with business teams to manage end-to-end credit approval for the designated region. Roles and Responsibility Manage end-to-end credit approval for the designated region. Underwrite for all customer segments for corporate finance products and present to senior level. Authorize deviations raised and documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Lead a team of credit approvers to ensure portfolio quality and manage delinquencies. Develop, implement, review, and monitor various credit programs, providing training and coaching to upgrade team competency and improve processing efficiency. Oversee and initiate follow-ups with external vendors to ensure timely query resolution and report submission, eliminating undue delays. Coordinate with the recoveries team and generate business insights. Travel extensively to oversee branches in the territory to develop business, guide the team, and ensure a quality portfolio. Ensure compliance with all Audit/other regulatory regulations, processes, policies, and reports as per company systems. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 11 years of experience in credit management or a related field. Possess strong knowledge of credit underwriting, risk assessment, and financial analysis. Demonstrate excellent leadership and team management skills. Exhibit strong communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a skilled professional with 8 to 13 years of experience to lead our retail credit team in Bengaluru. The ideal candidate will have a strong background in credit underwriting and management, with excellent analytical and problem-solving skills. Roles and Responsibility Own the entire credit underwriting process for the zone, including consistent application of credit policy and periodic reviews of existing customers. Conduct periodic reviews of policies, guidelines, and processes to ensure alignment with external environment, organizational needs, and regulatory framework. Assess customers sourced by the Sales team according to the credit policy, determine deviations and exceptions, and provide decisions on deals. Monitor the local market monthly through interactions with customers, dealers, branches, and market intermediaries, providing recommendations for corrective action in sourcing and underwriting. Arrange for credit programs and training within the company''s credit framework, and provide inputs to the analytics team for building portfolio analytics and scoring models. Authorize deviations documented by underwriters in compliance with the credit policy. 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. Manage end-to-end credit approval for the designated zone. Engage in developing, implementing, reviewing, and monitoring various credit programs, and provide training and coaching to upgrade the competency of the team and improve processing efficiency. Efficiently handle the team, keep them motivated, and make quick decisions while being mindful that decision delayed is decision denied. Manage the credit buying process, which monitors turnarounds, approvals, sample review quality checks, and develop cross-functional collaboration to smooth business and ensure quick TAT. Ensure compliance with all Audit/NHB regulations and company-designed processes, policies, and reports. Job Minimum 8 years of experience in credit underwriting or a related field. Strong knowledge of credit policy, underwriting, and risk assessment. Excellent analytical, problem-solving, and communication skills. Ability to work in a fast-paced environment and meet deadlines. Strong leadership and team management skills. Experience in managing credit teams and driving business growth. Educational qualificationsAny Graduate or Postgraduate degree. Additional Info The selected candidate will be required to manage a team and drive business growth.

We are looking for a highly skilled and experienced Credit Manager to join our team in Bangalore. The ideal candidate will have 6-9 years of experience in credit monitoring, analysis, and portfolio management. Roles and Responsibility Monitor the portfolio continuously, adhering strictly to the Credit Monitoring Policy. Conduct regular portfolio reviews and identify stress accounts, recommending actions. Handle account restructuring and perform annual reviews. Coordinate with Fincon/accounts and budgeting teams for accurate reporting. Identify and mitigate potential risks through covenant monitoring. Develop and maintain vendor relationships, including lenders, independent engineers, legal counsel, and insurance consultants. Job A Diploma or Degree/MBA is required. Possess strong knowledge of credit monitoring, analysis, and portfolio management. Demonstrate excellent communication and coordination skills. Ability to work effectively in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills. Proficient in MIS and other reporting tools.

We are looking for a highly skilled and experienced Credit Manager to join our team in Hyderabad. The ideal candidate will have 6-9 years of experience in credit administration, underwriting, and financial services. Roles and Responsibility Implement and manage credit admin processes and credit underwriting for the corporate finance division. Coordinate with operations departments for data input and file maintenance. Ensure security perfection and appropriate charge creation, and file in ROC for assets securing the facility. Follow up on post-disbursal documents (PDD) and deferral MIS. Generate MIS on revenue leakages as per sanction conditions. Map and improve processes related to business operations. Job MBA in Finance or CA certification is required. Possess strong knowledge of credit underwriting, financial services, and banking. Demonstrate excellent communication and coordination skills. Ability to work effectively in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills. Maintain confidentiality and handle sensitive information with discretion.

We are looking for a highly motivated and experienced Branch Manager to lead our microfinance team in Noida. The ideal candidate will have 2 to 5 years of experience in sales, relationship management, and business sourcing. Roles and Responsibility Achieve disbursement targets with minimal delinquency. Identify joint liability groups and disbursed loans to suit target customers and geographies. Enable business growth by developing and managing teams across assigned territories. Assess potential client base and product acceptability in new regions. Manage disbursement, repayment, and delinquency, achieving daily/weekly collections targets. Regularly follow up on disbursed loans, especially those not paying on time. Undertake regular field visits, centre meetings, and loan applications. Maintain portfolio quality by tracking and controlling normal dues, non-starters, delinquency, and frauds. Build strong client relationships both internally and externally, and establish a strong brand identity with potential customers. Ensure weekly/daily meetings and visits to the centre. Job Graduate in any discipline. Minimum 2 years of experience in sales, relationship management, or business sourcing. Basic understanding of microfinance business and JLG model working is preferred. Strong skills in relationship management, business sourcing, and sales. Ability to understand critical attributes of customer service. Experience in managing teams and building strong client relationships. Familiarity with microfinance products and services.

We are looking for a highly skilled and experienced Credit Manager to join our team in Delhi. The ideal candidate will have 2 to 7 years of experience in the banking industry, with expertise in credit appraisal and risk assessment. Roles and Responsibility Prepare and amend notes and financial models with correct information. Develop and maintain credit notes, detailing transaction structuring and assessment. Regularly interact with collections and sales teams to track delinquencies and study delinquent cases. Meet with customers to understand industry and market trends. Approve and rate clients with exposure over Rs 500L. Conduct regular training sessions for sales, channel partners, and field staff on product policies and processes. Control and monitor post-disbursement documents, invoices, insurance, and RC through interactions with sales and customers. Manage portfolio quality, including documentation, post-disbursement documents, and delinquency levels. Work on projects and process improvements. Critically evaluate transaction, business, financial, and industry risks involved in any given industry and identify relevant and associated risks, submitting appropriate mitigation strategies. Perform detailed financial analysis, attending to major movements in P&L and Balance sheet, and prepare credit notes detailing transaction structure and credit view, highlighting risks and mitigants. Develop market intelligence by engaging with people in other banks and FIs regarding their policies, focus areas, and portfolio health. Identify automation opportunities in existing processes and new product development. Ensure minimal audit queries, including RBI and statutory audits, and resolve them within prescribed timelines. Maintain thorough knowledge of CE/CV market practices and actively participate in customer visits. Provide regular MIS on market intelligence. Job Minimum 2 years of experience in credit appraisal or a related field. Strong understanding of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a team environment. Strong communication and interpersonal skills. A minimum degree of MBA/PGDBA/PGPM/CA or equivalent is required.

We are looking for a skilled professional with 5 to 10 years of experience to lead our microfinance business in Ranchi. The ideal candidate will have a strong background in team handling and leadership roles, with experience working in a NBFC, NBFC MFI, SFB, or Bank. Roles and Responsibility Drive microfinance business by identifying potential locations through in-depth research. Engage with potential microfinance institutions and represent TCFSL to acquire partners. Lead a sales team to expand the Business Correspondent network of various financial institutions and direct channel business. Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, and Small Finance Banks. Develop and manage teams across assigned territories to enhance market penetration and reach. Assess potential client base and product acceptability in new regions and areas for geographical expansion. Create a support function structure to facilitate appraisal, documentation, disbursement, repayment, and delinquency management. Formulate a collection strategy for the region and implement preventative/risk averse measures to maintain a quality portfolio. Plan and design regional sales contests and conduct field visits to monitor and guide loan officers. Handle workforce planning, recruitment, and training suited for managing various asset products across geographies, ensuring staff skill development through regular meetings and continuous monitoring of clusters. Maintain resource optimization and operational cost, identify branches in designated operational areas, and manage all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR, and other related issues in the region. Implement best business practices and develop company strategies and programs while ensuring strict compliance and integrity. Job Minimum 5 years of experience in microfinance, including at least 2 years in a team handling and leadership role. Experience working in a NBFC, NBFC MFI, SFB, or Bank. Familiarity with the business correspondent model and direct lending business. Strong understanding of credit underwriting, legal requirements, and governance protocols. Good knowledge of technology and automation, business planning, and product management. Post Graduate/Graduate in any discipline. Must be familiar about business correspondent model working with top lending institutions & direct lending business. Must have handled BC & JLG business. Key Skills: Relationship management, Business sourcing & portfolio management, Well versed with understanding of credit underwriting, Understand critical attributes of legal and governance requirements, Good acumen of technology and automation, Business planning and product management.

We are looking for a highly skilled and experienced Customer Service Executive to join our team in Hyderabad. The ideal candidate will have 1-3 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 1 year of experience in customer service, preferably in banking or financial services. Strong knowledge of customer service principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong problem-solving and analytical skills. Experience in personal loans and direct sales is an added advantage. 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 experiences and driving business growth.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Bangalore. The ideal candidate will have 6-10 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 while 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, evolving underwriting norms customized to local market needs and enhancing 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 highly skilled and experienced Customer Service Executive to join our team in Hyderabad. The ideal candidate will have 1-6 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products with the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with their help. Ensure compliance with all Audit/RBI regulations with the help of the Manager/Supervisor. Job Minimum 1 year of experience in customer service, preferably in banking or financial services. Strong knowledge of customer service principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in personal loans and direct sales is an added advantage. 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 experiences and driving business growth.

We are looking for a highly skilled and experienced Customer Service Executive to join our team at TATA CAPITAL LIMITED in Surat. The ideal candidate will have 2 to 7 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform various tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 2 years of experience in customer service, preferably in banking or financial services. Strong knowledge of customer relationship management and customer service principles. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in handling secured business loans is an added advantage. Any graduate can apply for this position. Additional Info The company offers a dynamic work environment and opportunities for growth and development.

We are looking for a highly skilled and experienced Area Credit Manager to lead our commercial vehicle credit appraisal team in Mumbai-Lower Parel. The ideal candidate will have 6-10 years of experience in the banking or financial services industry. 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 while 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, evolving underwriting norms customized to local market needs and enhancing consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Possess strong knowledge of corporate finance, credit appraisal, and underwriting principles. Demonstrate excellent leadership and team management skills, with the ability to motivate and develop a high-performing team. Exhibit strong analytical and problem-solving skills, enabling sound decisions to be made in complex situations. Possess effective communication and interpersonal skills, allowing for strong collaboration with cross-functional teams. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a highly skilled and experienced Credit Executive to join our team in Nokha, Bikaner Road. The ideal candidate will have 2 to 7 years of experience in the banking or financial services industry. Roles and Responsibility Responsible for personal discussions of cases according to laid down policies and procedures while maintaining strict adherence to quality. Adheres to agreed SLAs and timelines for completing assigned activities. Possesses skills in underwriting, disbursements, collateral management, and coordination with cross-functional sales operations. Protects company assets through proper evaluation of all credit requests, establishing credit limits, and ensuring adequate documentation and security. Ensures proper communication of credit decisions to stakeholders. Improves underwriting efficiencies while ensuring risk management. Job Minimum 2 years of experience in the banking or financial services industry. Strong knowledge of underwriting, disbursements, collateral management, and coordination with cross-functional sales operations. Ability to evaluate credit requests, establish credit limits, and ensure adequate documentation and security. Excellent communication skills for communicating credit decisions to stakeholders. Ability to improve underwriting efficiencies while ensuring risk management. Familiarity with Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook, and other Document Check. Additional Info The selected candidate will be responsible for 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.

We are looking for a highly skilled and experienced Customer Service Executive to join our team in Hyderabad. The ideal candidate will have 1-3 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 1 year of experience in customer service, preferably in banking or financial services. Strong knowledge of customer service principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in personal loans and channel sales is an added advantage. Any graduate can apply for this position. 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 Sikar. The ideal candidate will have 2 to 7 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. Evaluate all credit requests to establish credit limits and ensure proper documentation and security through 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 management, 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 ensuring adequate risk management. Familiarity with credit-related processes and procedures.

We are looking for a highly skilled and experienced Credit Executive to join our team in Mysore. 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 as per laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines in completing assigned activities. Protect company assets through proper evaluation of all credit requests and establishing credit limits. Ensure all loans are adequately documented and secured by appropriate collateral. Communicate credit decisions effectively to stakeholders. Improve underwriting efficiencies while ensuring adequate risk management. 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 assess income and expenses and verify loan account details. Excellent communication skills for effective stakeholder interaction. Strong analytical skills for evaluating credit risks and making informed decisions. Ability to work in a fast-paced environment and meet deadlines.

We are looking for a highly skilled and experienced Credit Executive to join our team in Malpura, Adarsh Nagar. The ideal candidate will have 6-10 years of experience in the banking or financial services industry. Roles and Responsibility Conduct personal discussions with cases as per laid down policies and procedures while maintaining strict adherence to quality. Adhere to agreed SLAs and timelines for completing assigned activities. Utilize underwriting, disbursements, collateral, and coordination with cross-functional sales operations functions. Protect company assets through proper evaluation of all credit requests, establishing credit limits, and ensuring all loans are adequately documented and secured by appropriate collateral. Communicate credit decisions effectively to stakeholders. Enhance underwriting efficiencies while ensuring adequate risk management. Job Minimum 6 years of experience in banking or financial services. Strong skills in underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Ability to evaluate credit requests, establish credit limits, and ensure adequate documentation and security. Excellent communication skills for conveying credit decisions to stakeholders. Capability to improve underwriting efficiencies while managing risks. Familiarity with Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook, and other Document Check.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Tenkasi, Tamil Nadu. The ideal candidate will have a strong background in credit underwriting and risk management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios and loan to value ratios, and calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. 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 support approving authority decisions 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 maintain bankability standards. Facilitate critical review and documentation of proposals and 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 preference for CA/MBA certification. Minimum 10 years of experience in credit underwriting and risk management. Possess strong knowledge of credit underwriting principles, practices, and regulations. Demonstrate excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong analytical and problem-solving skills are required.

We are looking for a highly skilled and experienced professional to join our team as a Manager in the Cleantech Credit department, located in Mumbai - Lower Parel. The ideal candidate will have 6-10 years of experience in credit underwriting or a related field. Roles and Responsibility Conduct detailed analysis of financial statements, including financial ratios and notes to accounts, for proposed borrowers and promoter/borrower groups. Provide commentary on financial analysis, explaining large/material variations and key ratios. Review project documents and support credit managers in preparing summary reports for credit notes. Prepare internal MIS required for credit underwriting. Collaborate with cross-functional teams to ensure seamless credit operations. Develop and maintain relationships with key stakeholders, including customers and partners. Job Strong understanding of financial services, banking, and credit underwriting principles. Excellent analytical and problem-solving skills, with attention to detail and ability to work independently. Effective communication and interpersonal skills, with the ability to build strong relationships. Ability to work in a fast-paced environment and meet deadlines. Strong knowledge of financial regulations and compliance requirements. Experience working with MIS systems and data analysis tools. A graduate degree is required for this position.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Jaipur. The ideal candidate will have 4 to 6 years of experience in corporate finance, credit appraisal, or a related field. 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 any undue/non-process related delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Develop and implement strategies to enhance consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance, credit appraisal, or a related field. Possess strong knowledge of credit analysis, underwriting, and risk management. Demonstrate excellent leadership and team management skills. Exhibit strong communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines is essential.

We are looking for a skilled professional with 6 to 11 years of experience to join our team as an Area Credit Manager in Emerging Corporate Division, responsible for the continuous monitoring and management of a diverse credit portfolio. The ideal candidate will have a strong background in credit risk management and analysis. Roles and Responsibility Monitor and manage a diverse credit portfolio, including individual exposure assessments. Implement systematic approaches to assess business performance and compare actual outcomes against initial projections. Engage with business/client teams to address discrepancies, formulate corrective action plans, and enhance overall performance. Generate regular and comprehensive reports on portfolio performance, risk profiles, and emerging trends. Offer data-driven insights to senior management to support informed decision-making. Maintain robust channels of communication with clients and strategic partners. Serve as a bridge between the credit team and client teams to facilitate information flow and collaboration. Uphold rigorous standards of record management to support transparency, accountability, and audit readiness. Actively participate in developing industry-leading best practices for credit monitoring within the organization. Foster collaborative relationships with various internal functions to address portfolio-related challenges and opportunities, promoting synergy among departments to maximize the effectiveness of credit monitoring efforts. Proactively identify, evaluate, and categorize risks associated with the credit portfolio, encompassing financial, operational, and market-related dimensions, and collaborate closely with the credit team to devise and implement comprehensive risk mitigation strategies tailored to specific industries. Maintain adherence to the Credit Monitoring Policy and its procedures, ensuring protocols align with policy stipulations, while taking a proactive role in refining and evolving monitoring procedures to adapt to changing industry dynamics. Job Minimum 6 years of experience in credit risk management or a related field. Strong knowledge of credit risk management principles, practices, and regulations. Excellent analytical, problem-solving, and communication skills. Ability to work collaboratively with cross-functional teams. Strong understanding of financial markets, instruments, and regulatory requirements. Experience with credit monitoring tools and technologies. Educational qualificationsB.Com, MBA/PGDM, CA. Additional Info The company offers a dynamic and supportive work environment, with opportunities for professional growth and development.

We are looking for a skilled professional with 5 to 10 years of experience to lead our sales team and drive business growth in the micro finance sector. The ideal candidate will have a strong background in sales management, relationship building, and team leadership. This position is based in Belgaum. Roles and Responsibility Lead a sales team to expand the Business Correspondent network of various financial institutions and direct channel business. Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, and Small Finance Banks to offer an array of financial products and services. Develop and implement business development strategies to enhance market share and identify potential business areas. Manage and motivate a team across assigned territories to achieve business objectives. Assess potential client base and product acceptability in new regions, identifying opportunities for geographical expansion. Ensure business growth and product diversity in the region according to the business plan. Create a support function structure to facilitate appraisal, documentation, disbursement, repayment, and delinquency management. Formulate a collection strategy for the region and take preventative/risk averse measures to maintain a quality portfolio. Plan and design regional sales contests and conduct field visits to monitor and guide loan officers. Handle workforce planning, recruitment, and training suited for managing various asset products across geographies, ensuring staff skill development through regular meetings and continuous monitoring of clusters. Maintain resource optimization and operational cost, identify branches in designated operational areas, and manage all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR, and other related issues in the region. Implement best business practices and develop company strategies and programs while ensuring strict compliance and integrity. Job Minimum 5 years of experience in sales management, preferably in the micro finance sector. At least 2 years of experience in a team handling and leadership role. Familiarity with the business correspondent model and experience working with top lending institutions and direct lending business. Must have handled BC and JLG business. Strong understanding of credit underwriting, legal requirements, and governance protocols. Good knowledge of technology and automation, business planning, and product management. Post Graduate or Graduate in any discipline. Additional Info The selected candidate will be responsible for implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity.

We are looking for a highly skilled and experienced Senior Manager to lead our Credit Risk team in Mumbai. The ideal candidate will have 5-10 years of experience in credit risk management, preferably in the banking or financial services industry. Roles and Responsibility Manage the risk/reward dynamics for the company''s mortgage portfolio by developing proactive mitigation actions. Develop and formulate acquisition/portfolio policies and conduct analysis to fine-tune acquisition/portfolio management strategies. Monitor economic and social environmental factors impacting portfolio credit performance and develop proactive mitigation actions. Review, change, and modify documentation processes, forms, and guidelines for the mortgage profile. Provide functional support on all credit/risk matters to business teams. Manage and monitor portfolio quality, undertaking periodic portfolio and collection reviews. Partner with the business team in identifying market selection and sales zoning from a credit risk perspective. Identify and analyze risks related to the broader loan portfolio; ensure portfolio diversification and quality across activities and areas. Ensure adherence to policies and processes, correcting procedural flaws, and proper documentation. Support Branches in troubleshooting field problems and identifying, designing, and implementing improvements. Enable credit training on credit fundamentals and processes including origination, credit approval, collection, documentation, and disbursement processes. Support & coordinate with the training team for credit-related modules by designing training modules that easily understand policy and process responsibilities. Participate in the development and monitor the effectiveness of statistically validated risk mitigation tools. Drive innovation in methods of identifying and quantifying extant risks as well as emerging and developing risk trends in the market. Provide senior management with clear insights into the factors driving the credit risk profile of the portfolio and provide forecasts of future performance, identifying means of mitigating key risk factors. Develop analytics in collaboration with leaders across the mortgage business to assist in product development and pricing strategies, driving business growth while ensuring prudent risk/return balance. Interact with various support groups including IT and compliance to initiate and review systems and processes. Ensure compliance with all Audit/RBI regulations. Job CA/MBA Finance degree. Strong knowledge of credit risk management principles and practices. Experience in managing large portfolios and leading cross-functional teams. Excellent analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills. Experience in data analysis and reporting is an added advantage.

We are looking for a highly skilled and experienced Credit Executive to join our team in Chandausi. The ideal candidate will have 2 to 7 years of experience in the banking or financial services industry. Roles and Responsibility Responsible for personal discussions of cases based on laid down policies and procedures, maintaining strict adherence to quality. Adhere to agreed SLAs and timelines for completing assigned activities. Utilize underwriting, disbursements, collateral, and coordination with cross-functional sales operations skills. Protect company assets through proper evaluation of credit requests, establishing credit limits, and ensuring all loans are adequately documented and secured by appropriate collateral. Ensure proper communication of credit decisions to stakeholders. Improve underwriting efficiencies while ensuring adequate risk management. Job Minimum 2 years of experience in the banking or financial services industry. Strong knowledge of underwriting, disbursements, collateral, and coordination with cross-functional sales operations. Ability to evaluate credit requests, establish credit limits, and ensure adequate documentation and security. Excellent communication skills for communicating credit decisions to stakeholders. Strong analytical skills for improving underwriting efficiencies while ensuring adequate risk management. Ability to work in a fast-paced environment and meet deadlines. Educational qualificationsAny Graduate or Postgraduate degree. Additional Info The selected candidate will be responsible for 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.