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1831 Credit Underwriting Jobs - Page 4

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3.0 - 7.0 years

0 Lacs

delhi

On-site

As a Credit Manager, you will be responsible for assessing the creditworthiness of potential customers, evaluating financial information, and approving or denying credit to customers based on company policies. You will also be tasked with managing the company's overall credit exposure and risk management, ensuring that credit policies and procedures are followed. In addition, you will work closely with sales and finance teams to develop strategies for minimizing credit risk while maximizing sales and profitability. Strong analytical skills, attention to detail, and excellent communication skills are essential for success in this role.,

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5.0 - 9.0 years

0 Lacs

maharashtra

On-site

The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter role involves managing credit review processes for large and complex products on a global scale. The primary objective of the team is to provide top-notch credit risk analysis, monitoring, and credit administration in collaboration with Risk and Banking teams to uphold the safety and stability of wholesale lending within ICM. As an Analyst in this position, you will be accountable for a portfolio of IF and CEF Relationships. Your responsibilities include conducting Credit Risk Analysis for these relationships, continuously monitoring the portfolio, preparing Annual Reviews, Quarterly Reviews, offering support for Ad-Hoc Transactions, Portfolio & Industry Reviews, and Stress Testing. A key aspect of the role is to possess a profound understanding of credit risk, Citis internal policies, procedures, and industry fundamentals related to the portfolio while being able to engage in meaningful discussions with Risk and Banking partners with minimal supervision from Team Leads. Key Responsibilities: - Evaluate the credit and financial strength of Citis IF and CEF clients through detailed credit analysis using quantitative and qualitative factors to make credit recommendations. - Prepare Credit Analysis Write-up Memos and Final Obligor Risk Ratings based on independent assessments and due diligence of clients to ensure appropriate credit extensions within Risk appetite. - Continuously monitor the portfolio, track industry trends, assess impacts on key relationships, and escalate potential credit issues to Team Leads, Risk, and Banking partners. - Conduct financial modeling of IF and CEF clients to project cash flow profiles, run stress sensitivity analyses, and Enterprise Valuations. - Review and provide risk rating recommendations across the sector. - Ensure compliance with bank credit and regulatory policies to maintain adherence and receive satisfactory ratings from internal and external auditors. Qualifications: Risk & Credit Underwriting: - Proficient analytical skills with the ability to interpret financial statements, identify trends, anticipate issues, and form independent credit opinions. - Advanced knowledge of financial statements, GAAP accounting, and Credit Policy and procedures. - Ability to promptly identify and escalate potential risk issues. Leadership: - Demonstrate commitment, positive attitude, reliability, and eagerness to contribute within the team. - Embrace change, display curiosity, professionalism, and active participation in meetings. Competencies: - Strong interpersonal skills, organizational abilities, and effective time management. - Excellent written and verbal communication skills to convey information clearly and concisely. - Proficiency in Microsoft Office (Word, Excel, PowerPoint) and Financial Modeling. Education: MBA Finance, CFA or CA The job falls under the Risk Management family group and the Credit Decisions job family, requiring full-time engagement. For individuals with disabilities needing accommodations to access search tools or apply for career opportunities, review Accessibility at Citi. View Citis EEO Policy Statement and the Know Your Rights poster for further details.,

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10.0 - 14.0 years

0 Lacs

uttar pradesh

On-site

As the Regional Sales Manager, you will be responsible for leading a sales team of Cluster Managers and field staff to expand the Business Correspondent (BC) network of various financial institutions. Your main duties will include business development and expansion of business correspondence alliance partners, as well as innovating and developing retail asset products such as JLG Loans, Secured & Unsecured MSME Loans tailored to meet the needs of target customers and specific geographies. You will be required to devise sales strategies to enhance market share, identify potential business areas for expansion within the region, and oversee the development and management of teams across assigned territories to ensure deeper market penetration. Additionally, you will assess the client base and product acceptability in new regions, identify opportunities for geographical expansion, and establish new business correspondence alliance partners. Ensuring business growth and product diversification in the region according to the business plan will be crucial. You will be responsible for formulating collection strategies, implementing risk management measures to maintain a quality portfolio, and designing sales contests at the regional level. Field visits to monitor and guide loan officers, workforce planning, recruitment, training, and development of staff to handle various asset products across different geographies will also be part of your role. Maintaining compliance with all relevant regulations, audits, legal requirements, customer service standards, and operational protocols is essential. You will be required to implement best business practices, develop company strategies, and programs while upholding strict compliance and integrity standards. To be successful in this role, you should have a minimum of 10 years of experience, preferably in a NBFC, NBFC MFI, SFB, or Bank, with at least 5 years in a team handling and leadership position. Familiarity with the business correspondent model and working with top lending institutions is necessary. Key skills required include relationship management, business sourcing, portfolio management, credit underwriting, legal and governance requirements, and proficiency in technology and automation. A Post Graduate or Graduate degree in any discipline is also required.,

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0.0 - 1.0 years

8 - 9 Lacs

Mumbai

Work from Office

Underwriting / Appraisal of credit proposals in line with the policy within the laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights

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15.0 - 20.0 years

50 - 60 Lacs

Mumbai

Work from Office

STCI Finance Limited - Head Credit STCI Finance Ltd : Career Careers / Current Vacancy Head Credit - MSME Role & Responsibility Build a strong credit function in consultation with Head MSME Lending Develop credit underwriting & approval systems for secured MSME loans Oversee credit appraisal and ensure portfolio quality with strong risk controls and early warning systems; design and implement tech-enabled credit evaluation processes Monitor credit performance and drive refinements in credit strategy as the business scales Age, Qualifications & Experience 40 to 45 years - Post Graduate degree in Finance or CA 15 -20 years experience in BFSI of which 8-10 years in Credit; 5 or more years managing the Credit function/underwriting independently for / SME / MSME lending in a Bank/NBFC Demonstrated track record of setting up and growing/building a strong credit function for a Bank/NBFC (AuM Rs 2500 crs+) Experience in digital lending/tech-based credit approval/underwriting

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1.0 - 5.0 years

3 - 6 Lacs

Bengaluru

Work from Office

Now Hiring: Underwriting & Mortgage Specialists Banking Domain Work Location: Manyata Tech Park, Bangalore Hiring Partner: Rivera Manpower Services Contact: HR Ananya 88844 96986 (WhatsApp your CV if the line is busy) Position: Mortgage & Underwriting Associate Domain: Banking & Financial Services Eligibility Criteria: Experience: Minimum 1 year in Mortgage and Underwriting (Mandatory) Education: Only Graduates (10 + 2 + 3) eligible Communication: Excellent written communication skills Salary & Benefits: CTC: Up to 6 LPA ( up to 30% hike on current CTC) Performance-Based Incentives 1-way cab facility (provided) Shift: Australian Shift (Early Morning Shift) Roles & Responsibilities: Perform underwriting and mortgage processing for banking clients Validate documents, assess credit risk, and ensure compliance with guidelines Collaborate with internal teams to process applications accurately and timely Deliver high-quality support while meeting SLAs and audit standards Interview Rounds: AMCAT Non-Voice (Minimum Score Required) Versant – Non-Voice (Cut-off Score: 58) Operations Round Client Round APPLY NOW! If you have mortgage/underwriting experience and want to join a growing team in the banking domain , reach out to HR Ananya at 88844 96986 or WhatsApp your CV if lines are busy.

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2.0 - 3.0 years

6 - 9 Lacs

Jaipur

Work from Office

We are seeking an experienced credit professional with excellent communication and interpersonal skills who will be joining a dynamic and fast-paced environment. PROFILE OVERVIEW As the Credit Analyst, you will be responsible for reviewing applications by analysing financial and non-financial data, assessing credit risk, credit underwriting and client interaction. This is a mid-level position and will report to Credit Manager. EXPERIENCE: 2-3 years QUALIFICATION: Chartered Accountant JOB LOCATION: Jaipur EMPLOYMENT TYPE: Full- Time YOUR JOB ROLE AT 121 FINANCE Analyse financial data - review balance sheets, profit & loss statements, cash flow statements, collateral documents Evaluate repayment capacity, credit history, industry risks, and collateral security Verify customer information KYC, employment or business details, and credit bureau reports Liaise with customers to clarify documentation requirements and resolve queries Prepare detailed credit assessment reports and risk analysis Recommend cases to higher authorities with details Work closely with sales, credit analysts, and operations teams to ensure smooth processing WHAT WILL YOU BRING TO 121 FINANCE? Experience : 2-3 Years experience in NBFC/BFSI industry Essential Skillset required: Proficiency in MS Excel Knowledge of Credit underwriting, Credit Bureau reports Understanding of Software Tools ERP, CRM etc

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10.0 - 12.0 years

17 - 22 Lacs

Mumbai, Pune, Gurugram

Work from Office

Key Responsibilities: Franchise and business development Leverage industry network to initiate conversation across top tier large and regional banks with the aim of generating new business in the First Line of Defense (1LoD) and Second Line of Defense (2LoD) Credit risk management Liaise with business heads and business development team to identify opportunities and drive market outreach for credit risk offerings for the Wholesale banking clients across 1LoD and 2LoD life cycle Develop an account plan for identified target clients including insights on relevant businesses and their key decision makers Work closely with the members of the sales team on proposals, Requests for Proposal and Request for Information responses Take initiatives towards franchise development to demonstrate Crisil’s domain leadership (in white papers, point of view notes, webinars, etc.) Client Engagement As a subject matter expert in credit risk management space, lead customer facing meetings Responsible for understanding customer needs in credit risk assessment, across the loan life cycle – including origination (due diligence, policy and regulatory compliance), underwriting, risk rating processes, regulations, compliance, portfolio monitoring, collateral monitoring, among others and prepare, present and promote sale of our credit solutions Determine business and methodological requirements and architect solutions based on each client use case and CRISIL’s product/service suite Engage in new client pilots, solution and review processes for new opportunities Develop, maintain and foster strong client relationships and lead multiple client engagements independently Document market feedback regarding experience with CRISIL’s solutions and desired enhancements; actively manage client relationships and drive Net Promotor Scores and CSATs for CRISIL Project and team management For client engagement assigned, ensure robust governance and oversight through appropriate workflow planning, resource utilisation, quality assurance and client satisfaction Undertake quality underwriting of the work executed by the team Lead/build large teams of analysts to deliver on client requirements Attract, develop and retain top quality staff to ensure a robust pipeline of talent Job Skills & Qualifications Essential MBA/CA/CFA 10+ years of experience in Wholesale banking including credit due diligence, regulatory compliance, credit modelling, credit underwriting, portfolio management, controls assessment, stress testing and/or loss forecasting Excellent organization, oral, and written communication skills with ability to listen to requirements and business problems to respond with appropriate solution Strong leadership, team management and problem-solving skills, with experience of leading large teams Ability to work in a high-pressure, deadline-oriented environment and work independently with minimal supervision Preferred Experience in Leveraged Finance portfolio credit monitoring Knowledge of existing and evolving regulations impacting the wholesale banking lending space Public speaking experience, publications and/or internal lead on training within an organization Experience and enthusiasm of working with senior leadership on franchise development, client acquisition/farming and related business growth activities Ability to influence and gain buy-in from sceptics

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1.0 - 4.0 years

2 - 4 Lacs

Tirunelveli

Work from Office

CSB Bank Opening for Customer Relationship Officer - Tirunelveli Job Purpose : Organized, attentive Customer Relationship Officer to provide exceptional service to our customers by handling routine tasks, such as processing payments, accepting deposits, and handling withdrawals The Bank Teller will respond to customer requests and inquiries, Functional Responsibilities : (1) Process transactions, such as deposits, withdrawals, or payments, resolving complaints or account discrepancies, and answering questions (2) Informing customers about bank products and services (3) Tracking, recording, reporting, and storing information related to transactions, bank supplies, and customers, ensuring all information is accurate and complete (4) Maintaining and balancing cash drawers and reconciling discrepancies (5) Packaging cash and rolling coins to be stored in drawers or the bank vault (6) Keeping a clean, organized work area and a professional appearance (7) Handling currency, transactions, and confidential information in a responsible manner (8) Maintains customer confidence and protects bank operations by keeping information confidential Competencies required for role : Customer service Attention to detail General math skills Verbal communication Integrity Selling to customer needs People skills Financial skills Financial software Thoroughness Documentation skills Note: Only experienced and currently employed individuals are eligible.

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8.0 - 12.0 years

15 - 20 Lacs

Mumbai

Work from Office

* Role & responsibilities Implement and Act in accordance with Organizations Policies and Process and Credit Delegation In addition, adhere to Regulatory and Audit Compliance Review and Monitor Underwriters in terms of Loan Appraisals, TAT, Risk Appetite and Support to Business Monitor Portfolio Quality Provide valid inputs to Policy Team on hindsight and Competition benchmarks Assist towards Process Key Improvement Activities Ensure quality metrics of underwriting are maintained with error rates maintained within threshold limit. Proactively inform about Red Flags and Triggers To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures Training the Credit Managers on Processes and policies Work Closely with Sales Managers in Zones, Credit team and business teams of lenders to constantly refine credit underwriting processes in Zone across regions Partnering with risk and policy teams to align products and policies , build on data driven underwriting practices. Actively get involved in New lenders onboarding process, setting up process and policies and regular interaction with lenders credit and operations team. Actively looking out for automation initiatives enabling better underwriting practices and lender delight. Manage a team of underwriters across locations including ACMs and credit managers. Preferred candidate profile Financial Skills required for Underwriting Behavioral Pattern of Customer Profiles. Market Risk and pattern of credit off takes Region Specific – Business practices and market knowledge Vendor Management Leadership skills Product and documentation knowledge

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2.0 - 3.0 years

3 - 3 Lacs

Noida

Work from Office

Responsibilities: * Conduct credit appraisals & evaluations * Collaborate with sales team on new opportunities * Manage credit portfolio & risks * Analyze financial statements & market trends * Approve/reject loan applications Cafeteria Sales incentives

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1.0 - 6.0 years

1 - 3 Lacs

Bhubaneswar, Gorakhpur, Ranchi

Work from Office

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

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1.0 - 6.0 years

1 - 3 Lacs

Ganjam, Gorakhpur, Ranchi

Work from Office

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

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1.0 - 6.0 years

1 - 3 Lacs

Madurai, Mysuru, Krishnagiri

Work from Office

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

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1.0 - 6.0 years

1 - 3 Lacs

Pudukkottai, Ariyalur, Thanjavur

Work from Office

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

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3.0 - 8.0 years

3 - 8 Lacs

Bhopal, Nagpur, Delhi / NCR

Work from Office

Role & responsibilities Processing of Social Infra secured and unsecured cases as per laid down policy. Complete the proposal as per defined TAT. Conduct Physical Visits/PD as per requirement of the cases. Maintain healthy portfolio by following up on repayments from Customers. Relevant years of experience in core education Infrastructure loan vertical. Minimum qualification is Graduation but MBAs/CAs are preferred.

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4.0 - 9.0 years

7 - 14 Lacs

Udaipur

Work from Office

Varthana - the largest school funding company in India, is urgently hiring for the post of "Credit Manager" in Udaipur location! If you're someone who's passionate about credit, and are looking to transform your career in 2025, then continue reading - this vacancy is for you! WHY CHOOSE VARTHANA? Varthana is the largest education finance company in India headquartered in Bengaluru. Started in 2013, the organization now has its presence in 15 states, 34 branches, and 150 spokes across India, with the goal of transforming affordable education in India. It caters to the needs of affordable private school owners by providing financial assistance and academic support through its school loan business and is strongly committed to serving the domestic students attending college, technical training and short-term courses, or postgraduate studies by providing them with necessary loans to pursue their dream course through the Student loan business. Varthana has successfully served over 4500 affordable private schools in 15 states which educate more than three million students and employ more than 100,000 teachers. Varthana has also partnered with over 500 educational institutions and financed over 5000 economically disadvantaged students spread across 16 cities in India, through its student loan business. JOB ROLE: Varthana is looking for Manager - Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations if any, are appropriately mitigated and documented. The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline, and building a long-lasting relationship with them. The Assistant Manager will also be coordinating with the sales team and operations team for collecting accurate data. KEY DETAILS: * This is an individual contributor profile - On roll basis. * Product is School loan/institutional funding. * 4+ years of underwriting experience in the LAP Segment would be preferred. * Candidate must be a localite to Udaipur. * Salary offered is the highest in the market. * Best in industry monetary benefits! HOW TO APPLY: If you or someone you know would be a great fit for the role, then apply by sharing the CV to: piyush.a@varthana.com. Join Varthana and help build the education of tomorrow!

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0.0 - 5.0 years

8 - 16 Lacs

Mumbai Suburban, Vasai, Thane

Work from Office

Hiring for NBFC Company as a Regional Credit Manager for Lap product . Experience - 4-5 Years Education - CA Must Location Mumbai - Marol CTC - Best in the market Contact Nr -8789151182 Email - shilpi.singh@voicehr.in

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5.0 - 8.0 years

2 - 20 Lacs

Noida, Uttar Pradesh, India

On-site

Job description Join us as a Senior in Credit Analysis at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences. The Credit Risk department works with the business to independently quantify the appropriate level of risk for the client, for the firm and for our shareholders.We apply appropriate governance and control to ensure the right decisions are made using accurate calculation, assessment and recording of exposure and risk.We aim to have the best-in-class processes, models, systems, and data integrity, thus attracting the best people and aim to be the employer of choice for Risk professionals. Credit Risk is part of the wider Risk Function, which also encompasses Market Risk, Operational Risk, Risk Control and Risk Infrastructure. To be successful as a Senior in Credit Analysis, you should have experience with ( Basic/ Essential Qualifications): Having experience in corporate credit risk / relationship management within Indian banks / Foreign Banks or NBFCs / Rating Agencies. Chartered Accountant. MBA. Qualification from other professional bodies (FRM / CFA/ CAIIB etc.) Desirable skillsets/ good to have: Good understanding of Corporate Banking products. Stakeholder management. Good communication skills.

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3.0 - 7.0 years

0 Lacs

karnataka

On-site

At EY, you'll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we're counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself, and a better working world for all. EY's Financial Services Office (FSO) is a unique, industry-focused business unit that provides a broad range of integrated services leveraging deep industry experience with strong functional capability and product knowledge. The FSO practice offers integrated advisory services to financial institutions and other capital markets participants, including commercial banks, investment banks, broker-dealers, asset managers, insurance and energy trading companies, and Corporate Treasury functions of leading Fortune 500 Companies. The service offerings include market, credit, and operational risk management, regulatory advisory, quantitative advisory, technology enablement, and more. Within EY's FSO Advisory Practice, the Financial Services Risk Management (FSRM) group provides solutions to help clients identify, measure, manage, and monitor market, credit, operational, and regulatory risks associated with trading, asset-liability management, and capital markets activities. The Credit Risk (CR) team within FSRM assists clients in designing and implementing strategic and functional changes across risk management within banking book portfolios of large domestic and global financial institutions. Key Responsibilities: - Demonstrate deep technical capabilities and industry knowledge of financial products, particularly lending products. - Stay informed about market trends and demands in the financial services sector and issues faced by clients. - Monitor progress, manage risk, and communicate effectively with key stakeholders. - Mentor junior consultants and review tasks completed by them. - Work on projects involving model audits, validation, and development activities. Qualifications, Certifications, and Education: Must-have: - Postgraduate degree in accounting, finance, economics, statistics, or related field with at least 3 years of related work experience. - Understanding of climate risk models, ECL, stress testing, and regulatory requirements related to credit risk. - Knowledge of Credit Risk and Risk Analytics techniques. - Hands-on experience in data preparation, manipulation, and consolidation. - Strong documentation skills and ability to summarize key details effectively. - Proficiency in statistics, econometrics, and technical skills in Advanced Python, SAS, SQL, R, and Excel. Good-to-have: - Certifications such as FRM, CFA, PRM, SCR. - Experience in Data/Business Intelligence Reporting and knowledge of Machine Learning models. - Willingness to travel and previous project management experience. EY exists to build a better working world, creating long-term value for clients, people, and society while building trust in capital markets. EY teams across 150 countries provide trust through assurance and help clients grow, transform, and operate in various sectors like assurance, consulting, law, strategy, tax, and transactions, addressing complex issues globally.,

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8.0 - 12.0 years

0 Lacs

karnataka

On-site

At JMR Infotech, you will find all the right elements that you need to get to the top but with a difference. We make sure you have loads of fun getting there! We believe that each individual in this company is a partner working towards a common goal. If you think that you have the below skill sets and the spark to get to the top, then please apply with the latest resume and send your profiles to careers@jmrinfotech.com. Senior Consultant - Product Pre-sales Location: Bengaluru Experience: 8 - 12 years Education: Graduate Job Description: As a Senior Consultant in Product Pre-sales, your main responsibilities will include running the pre-sales process for RFPs and customer requests. This involves developing the win strategy and bid plan across solutioning, pricing, response, governance process, solution presentation, and up to deal closure. You should have the ability to work proactively on demand generation, collaborating with key accounts in the BU to focus on winning pursuits in a collaborative manner. Creating the core aesthetics to respond to opportunities by working with clients, partners, and various stakeholders is a key aspect of this role. You will streamline practices and steer solution design, particularly in cross BU deals where you will lead the solution definition, identify components for individual practices, and stitch together the overall solution. Additionally, creating proactive propositions based on successful accounts within the BU or across the organization is essential. Extensive travel to customer sites for winning solution demonstrations is a mandatory requirement for this role. Mandatory Skills: - Prior banking experience (minimum 4-5 years) in Operations with a specialization in Lending (Core, Syndicated, Credit Underwriting, Appraisal, Servicing/Management, and Collections). - 8+ years in the IT industry with solutioning experience in a cross BFSI environment, with a special focus on Lending & Lending Allied space. - Proven track record of driving transformation journeys for customers through the Pre-sales function. - Strategic thinking with the ability to execute and work across several geographies. - Ability to build product knowledge and combine this with a good commercial sense while working across various geographies. - Design and support in the overall pre-sales plan and execution of slides preparation, content writing, proposal writing, functional responses writing, and preparing cost & effort estimations. Desirable Skills: - Post-graduate with a qualification in Economics, Business Studies, or Engineering. - Good understanding of IT & Banking domains with specialization in the Lending space. - Exposure to analyzing the market and trends. - Excellent verbal and written communication skills in English. - Excellent organizational and problem-solving skills. - Good interpersonal skills. - Ability to manage deadlines with colleagues and customers. - Self-confident and a self-starter who can set up and drive own meetings/timelines proactively. - Good planning and time management skills. - Ability to multitask and share job responsibilities with other team members. - Results orientation and focus on quality. - Eagerness to learn new systems and solutions. In summary, we are looking for enthusiastic and energetic individuals with the above skill sets to join us in this dynamic role that demands extensive traveling.,

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6.0 - 10.0 years

0 Lacs

haryana

On-site

You will be responsible for evaluating, underwriting, and approving Loan Against Property (LAP) proposals within defined credit policies for the Micro LAP segment (40 Lakhs ticket size). Your main objective will be to ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Your key responsibilities will include credit appraisal, where you will underwrite LAP proposals for self-employed and informal borrowers according to the defined credit policy and risk framework. You will also need to ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during the loan evaluation process. Additionally, you will be tasked with income and risk assessment, portfolio monitoring to track bounce rates, delinquency trends, and early warning signals (EWS) for maintaining portfolio health. You will collaborate with Operations and Sales teams to improve Turnaround Time (TAT) and underwriting quality, as well as work closely with Business Head, Sales, and Product teams to align growth with risk controls. Furthermore, you will be responsible for fraud and risk mitigation by ensuring field verifications, de-dupe checks, and property/legal due diligence. Supporting credit governance with relevant Management Information System (MIS), dashboards, and portfolio insights will also be part of your role. You will conduct training and refresher sessions for Sales and Direct Selling Agent (DSA) teams on credit policies and documentation standards. The ideal candidate should have a minimum of 5-8 years of experience in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred) and a Graduate/MBA/CA qualification. Domain expertise in income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems is preferred. Strong analytical decision-making skills, a risk governance mindset, stakeholder management abilities, and the capability to deliver under high volume with tight TATs are essential behavioral skills required for this role.,

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6.0 - 10.0 years

0 Lacs

maharashtra

On-site

You will be joining a leading NBFC as a Credit Analyst for Infrastructure Finance with the following responsibilities: You should have at least 6 years of experience in Credit Underwriting, specifically in Infrastructure Project underwriting. Your educational background should include either a CA or an MBA degree. This role is within the BFSI industry and based in Mumbai. Your main tasks will involve creating Credit Appraisal Notes for Infrastructure Project Finance Cases, including TL/NCD. You will communicate with clients or businesses to gather data for CRAN preparation. Your responsibilities will include creating comprehensive CRAN for credit risk assessment, industry evaluation, compliance check, legal document examination, and understanding regulatory requirements. Additionally, you will be required to prepare inspection reports after visiting the units. Your role will also involve discussing terms and conditions for risk assessments with the business and monitoring accounts in line with the sanctions authority's guidelines. You will be responsible for generating quarterly portfolio monitoring reports and continuously monitoring the portfolio, as well as preparing reports for the Risk Management Committee. You will oversee and address any escalations related to risk assessments and non-compliance action plans. Furthermore, you will be expected to respond to and provide insights on customer demands from a risk perspective. If this opportunity aligns with your career goals and interests, please reach out to us at shivani@thepremierconsultants.com.,

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1.0 - 4.0 years

6 - 12 Lacs

Ludhiana

Work from Office

Need Credit Manager for Lap Location - Ludhiana Need exp in mortgage loan Education - CA or MBA Or CWA CTC Can be discuss Age - 37 Yrs Pls share cv on sanjeevani.dupare@voicehr.in

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8.0 - 13.0 years

10 - 17 Lacs

Lucknow

Work from Office

Need Regional Credit Manager for HL/Lap will Manager UP & UK Location - Lucknow Need exp in Home Loan & Lap Ticket Size upto 30 Lacs CTC Can be discuss Age - 38 Yrs Max Pls share cv on sanjeevani.dupare@voicehr.in

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