1847 Credit Underwriting Jobs - Page 50

The incumbent will be responsible for Post appraisal review (PAR) / credit hind sighting activity based on sampling of sanctioned cases. The job involves audit (credit due diligence checks) of the sampled files for the assigned product (such as Commercial Vehicle loans and Construction Equipment loans ) & share findings with the stakeholders such as Credit Senior Management (Zonal and Nation Credit heads) and Policy team along with steps for necessary corrections.

Desired Candidate Profile 2-5 years of experience in Loan Servicing or Credit Underwriting (US Mortgage). Strong understanding of Construction Loan, Escrow, Loss Mitigation, and Residential Underwriting concepts. Proficiency in managing multiple tasks simultaneously while maintaining attention to detail. Excellent communication skills for effective collaboration with cross-functional teams.

Job Summary: The Senior Credit Underwriter - Unsecured Loans is responsible for assessing and approving credit applications. The role involves detailed financial and non-financial analysis of applicants, with a strong focus on credit risk mitigation, policy adherence, and portfolio quality. The underwriter will also support the development of credit frameworks and guide junior team members. Key Responsibilities: Evaluate unsecured loan applications within defined TATs and risk parameters. Analyze applicant profiles using financial statements, bank statements, credit bureau reports (e.g., CIBIL, Experian), and alternate data sources. Approve or recommend decisions within delegated authority; escalate cases requiring higher approval levels. Monitor post-disbursal performance and provide inputs for early warning systems by bounce audits. Collaborate with sales, collections, fraud control, and operations to ensure seamless credit processing. Provide mentoring and training to junior underwriters or credit analysts. Highlight if any fraud parameter or business wise any fraud angle is seen. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or related field or MBA in finance. Minimum 2-3 years of experience in unsecured loan underwriting. Experience with credit decision engines, LOS (Loan Origination Systems), Novel pattern or any other API tools. Familiarity with regulatory guidelines (RBI, NBFC, fintech norms).

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Be at the Vanguard of Credit Review Team and be part of the implementation and ongoing delivery of a robust independent challenge and review of first-line credit risk responsibilities, including the delegated loan approval authority granted to CRM, in accordance with the Credit Review Post Approval Review Framework. About the Team: The Credit Review team supports Commercial Lending Origination activity across the back and to assess whether activity is in line with risk appetite and to assess underwriting quality and 2nd line credit approval support. The Lead Advisor Credit Review will be responsible to 1) Evaluate transactions sampled versus risk appetite, policies and procedures and provide feedback to 1st and 2nd line stakeholders involved in the origination process. 2) Prepare a quarterly assessment of sampled lending activities to determine alignment with Banks risk appetite and provide reports to Risk Committees and Board. Impact The role will be part of Risk Management, India and supporting the global Credit Review in all aspects of the global Credit Review program. The successful candidate will support the global efforts of executing the sample testing and Identify deficiencies and areas of corrective feedback. The role will work with a team of resources with solid Credit Review experience and skills, partners with global stakeholders to establish effective collaboration and partnership to build and manage talent capabilities. Communicates and collaborates across a broad set of stakeholders. Responsive to changes in the business environment. Key Deliverables Process: Lead the implementation and ongoing delivery of a robust independent challenge and review of first-line credit risk responsibilities, including the delegated loan approval authority granted to CRM, in accordance with the Credit Review Post Approval Review Framework. Perform file testing for commercial lending origination activity across FCB based on areas of growth and emerging risks using the line-sheets and sample population provided monthly. Sample, review and challenge commercial loan origination activity across FCB, inclusive of steps taken to review and approve transactions. Evaluate transactions sampled versus risk appetite, policies and procedures and provide feedback to 1st and 2nd line stakeholders involved in the origination process. Identify deficiencies and areas of corrective feedback. Provide results for consolidated analysis used in the preparation of a quarterly assessment of sampled lending activities to determine alignment with Banks risk appetite and provide reports to CRC, EROC, and BRC Skills and Qualification Functional Skills: 6 - 9 years of experience in credit risk management / Audit Function. Knowledge of financial services/ banking domain. Experience in Commercial Lending and underwriting. Excellent written and verbal communication skills. Stakeholder management skills, e.g., effective forward-looking planning, communication, and delivery of services. Able to effectively manage tasks as agreed. Efficient and well-organized workflow and process design skills. Outstanding attention to detail, accuracy of information. Ability to work in a team environment and coordinating with various stakeholders. Technical/Business Skills: Advanced working knowledge of MS- Office tools like excel, PowerPoint. Microsoft Office (Word, Excel, PowerPoint, and Outlook) Qualification: Relevant Bachelor/ Masters degree preferably in finance Relationships & Collaboration Reports to: Senior Manager Credit Review Partners: Senior leaders and cross-functional teams.

About the job Position Business Accountability: Ensuring smooth function of policies to be serviced. Floating RFQ to insurers & negotiate best premium from them to meet clients expectations. Preparing Due Diligence report wherever necessary. Negotiation with insurers on premium quotes & Terms specially in big & medium sized proposals. Ensure submission of QCR within TAT. Update Compass regularly. Preparing service presentation based on the coverage's shared by RM. Generating weekly MIS about the pending claim and sending it to clients in the format defined. Relationship with key line people in the insurance companies Entertain (addition deletion & other) endorsement request received from client & sent to insurer for endorsement. Maintain RFQ tracker. Quality Control of Policy Documents of RFQs. Quality check of policies issued & ensure for minimum errors. Updating SAIBA on policy renewed, endorsement passed, and endorsement awaited in the respective month. Replying to queries in the defined TAT i.e., within 24 hrs. form receipt of the query. Core Capabilities (Knowledge, Skills, Additional Behaviors) Strategic understanding of business. Quantitative skills. Ability to manage multiple tasks in a high-pressure environment. Education & Experience: Non-EB placement experience (preferably over 10 to 15 years) in Insurance Broking.) Location - Mumbai suburbs.

Role & responsibilities : Credit Assessment & Underwriting: Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine creditworthiness. Perform due diligence, including CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making: Approve loan applications within the designated authority limit and escalate higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management: Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit: Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management: Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies: Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills. Preferred candidate profile MBA with finance Inter CA or CA

Roles and Responsibilities Manage a team responsible for credit underwriting, analysis, approval, and policy management. Review and analyze credit proposals from various sources (direct, indirect) to assess risk. Conduct thorough credit checks on customers using Cibil data, banking statements, income documents, etc. Develop expertise in commercial vehicle loans, fleet credit, used car loans, four wheeler loans, retail assets, auto finance products. Ensure compliance with regulatory requirements and internal policies related to credit risk management. Desired Candidate Profile 3-8 years of experience in Credit Management or similar role in NBFCs or banks dealing with Retail Assets/Auto Loans/Commercial Vehicles. CA/MBA/PGDM degree required; relevant certifications like IRDA/NCFM preferred but not mandatory. Strong understanding of Indian financial markets and regulations governing lending activities.

Role- Intern Division – CRISIL Intelligence Department – Financial Services Consulting Duration: 2 months (extendable to one additional month) Location - Mumbai (Work form office), 2-3 Days WFH option per week Website- https://intelligence.crisil.com/ https://intelligence.crisil.com/en/homepage/what-we-do/consulting.html Opportunity to work with Crisil's FS consulting as an intern on a live Banking transformation project for a large Bank in India. Work on the project implementation aspects of the ongoing project; high visibility - high learning assignment with exposure to business strategy, credit process reengineering, document the implementation SOP for product innovation, credit consulting, credit policy guardrails, sector knowledge repository. Participate as a core team player while assisting the team in developing client delivery modules on SOPs, Capability building dossier etc. Academics- MBA/ CA students or MBA freshers willing to get hands on financial sector consulting exposure.

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Support and co-partner with business teams to manage end to end credit approval for the designated region Underwrite for all customer segment for retail and high value cases and present to senior level Authorize deviations raised and documented by underwriters in compliance with credit policy. Finalize review of credit memos, prepared by underwriters, and approval/ decline signoffs on every file after checking for documentation requests. Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level. Ensure timely completion of personal discussion documents through customer visits if required. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Adhere to all norms and regulations required.

Designation - Credit Manager Location - Chennai Product handled - Working capital, Equipment & Machinery Finance Role & responsibilities Loan Application Review : Analyse and verify loan applications and supporting documents. Risk Assessment : Conduct thorough risk assessments and credit analyses to determine the borrowers ability to repay. Compliance : Ensure all loan applications comply with regulatory standards and company policies. Decision Making : Make loan approval or denial decisions based on risk assessment and company guidelines. Documentation : Prepare detailed reports on assessment findings and document reasons for loan approval or denial and also maintaining paper documents as per company rules. Communication : Interact with loan managers (Sales) and clients to obtain additional information or clarification as needed. Market Knowledge : Stay updated on industry and market trends and changes in regulations affecting loan underwriting. Qualifications: Education : Bachelors degree in finance, Preferably CA or MBA finance from a reputed college Experience : 3-5years of experience in loan underwriting, preferably with high-ticket loans(working capital, Equipment & Machinery Finance) Skills : Strong analytical and problem-solving skills. Excellent communication and decision-making abilities. Proficiency in underwriting software and financial tools.

JOB DESCRIPTION - US MORTGAGE FINANCE - WFH About Us: Nexdigm is a multidisciplinary group that helps global organizations meet the needs of a dynamic business environment. Our focus on problem-solving, supported by our multifunctional expertise enables us to provide customized solutions for our clients. We provide an array of solutions encompassing Business Consulting, Business Services, and Professional Services. Our solutions help businesses navigate challenges across all stages of their life cycle. Through our direct operations in USA, India, and UAE, we serve a diverse range of clients, spanning multinationals, listed companies, privately owned companies, and family-owned businesses from over 50 countries. Our multidisciplinary teams serve a wide range of industries, with a specific focus on healthcare, food processing, and banking and financial services. Over the last decade, we have built and leveraged capabilities across key global markets to provide transnational support to numerous clients. From inception, our founders have propagated a culture that values professional standards and personalized service. An emphasis on collaboration and ethical conduct drives us to serve our clients with integrity while delivering high quality, innovative results. We act as partners to our clients and take a proactive stance in understanding their needs and constraints, to provide integrated solutions. Quality at Nexdigm is of utmost importance, and we are ISO/ISE 27001 certified for information security and ISO 9001 certified for quality management. We have been recognized over the years by global organizations, like the International Accounting Bulletin and Euro Money Publications. Our team provides you with solutions for tomorrow; we help you think next . To know more about us, visit www.nexdigm.com Job Description As a Credit analysis expert, you will be directly reporting to the Asset manager in US. Your responsibilities will include providing financial insights and projections to the Asset manager You will provide reliable data and analysis to be used in decision-making. You will assist in the drafting of credit memo, Loan Template, Property Template, credit report and performing analysis, identify action items, and effectively frame decisions that need to be made. Responsibilities Provide support to the Asset manager in setting up new investments into iLEVEL, drafting credit memos, credit reports, and analysis reports. Identify and understand business challenges; propose and create solutions. Evaluating third-party management company effectiveness; assessing whether managers oversight of financial performance and quality of resident care meet expectations Analysing census, operations, clinical and financial performance on an on-going basis Reviewing and assessing reasonability of annual operating and capital budgets On a quarterly basis, produce a portfolio variance summary report showing each Project and its operating performance relative to the corresponding Approved Budget Acting as project manager and serving as primary day-to-day liaison to third-party management companies and reporting to unit leader on their requests for working capital, capital improvement funds and approvals required under the management agreement. Following the completion of the calendar year, prepare and submit a year-end report that will include: The actual operating results for each Project, along with a written explanation of whether loan operations for the calendar year, in fact, met or exceeded the Approved Budget and A discussion regarding the Approved Budget as it relates to the anticipated operating performance for the upcoming year to facilitate Owners evaluation of the proposed Budget for the upcoming year Core Competencies: Service Orientation Should be aware of both - the internal as well as external customers and their needs; and is committed to meeting the customers evolving, long-term needs the focus is on SERVICE Result Orientation Should be able to direct efforts towards developing and implementing realistic action plans to meet business objectives; with a sense of urgency the focus is on achieving RESULTS Initiative One must not only understand and accept the responsibilities towards his/her job; but also proactively works towards identifying challenges and its resolution the focus is on seeking SOLUTIONS Professionalism Should have in-depth knowledge of all functions and displays not only required skill-set, but also ethics and integrity while conducting the job the focus is on PROFESSIONALISM Cooperation One must ensure completion of all tasks at hand and simultaneously extends support to team members and displays joint ownership towards achieving business objectives the focus is on TEAMWORK Communication/Feedback Should believe in providing feedback to other associates and receiving feedbacks to enhance performance, thereby meeting business objectives the focus is on OPEN COMMUNICATION Other Benefits: Medical Insurance (self-coverage): Includes Group Mediclaim policy and Group Personal Accident Policy. Long Term Investment & Engagement Plan: This is an employee incentive plan introduced to encourage, reward, and incentivize eligible employees towards long-term engagement, to optimize their performance and enable them to partake in the growth of the Organization and further its best interests. Transportation support: Bus facility (where available) is allocated to you based on your requirement and availability of seats. Focus on individual career growth: via career aspirations discussions, rewards & recognition, long service awards. Career Enhancement programs through Continuous Learning, Upskilling, and Training. Focus on Holistic Well-being : The Wellness Corner: Access to a mobile application that provides expert guidance on physical, emotional, and mental well-being to you and your immediate family members. Support Mechanisms: Various support mechanisms like buddy program for new joiners, childcare facilities for new mothers etc. are made available for our Associates. Health Check-up Camp: Access to a mobile application that provides expert guidance on physical, emotional, and mental well-being to you and your immediate family members Skills Semi Qualified CA / ACCA / CFA or MBA Finance (preferably from a premier institute) with a good academic background (in the order of highest qualification preference) 4-6 years of related work experience in Real Estate Loan Financing. General knowledge of financial/credit analysis/Loan financing. Experience of understanding Loan financing for Real Estate Companies and developing the financial models Demonstrated aptitude in quantitative and qualitative analysis Excellent interpersonal, leadership, and communication skills. Ability to manage multiple tasks and adapt to a changing, fast-paced environment. Strong Excel, Word, and PowerPoint skills Superior attention to detail and ability to successfully manage multiple competing priorities while maintaining a view of the big picture. Demonstrated ability to influence others through effective verbal and written communication. Finally, our people are our most valuable asset; if you agree with us on this, we would love to meet you! Your interaction with us will involve: HR Interview 4 Technical + Client Interviews

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance metrics. Identify opportunities to cross-sell and upsell relevant products. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong analytical and problem-solving skills. Experience in the BFSI industry, preferably in a similar role.

Task performed Ensure AP Ref no.if generated as soon as a file is logged in Ensure CPV, neighbor check, Financiary reference check and TVR is done after CIBIL Recommends and forwards to appropriate authority basis limits, deviation, and deferral. Does PD for every single customer. Take various market references and build touch points for customer reference. Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact Review of credit files as per policy Co-ordinate with FCU for setting up specific triggers Ensure approval tracker is given to Business Basis product to do CFA and ABB. Relook at cases which have been rejected basis merit Clear the various exception raised. Review portfolio every month with respect to ODs / losses / fraud for the period underwritten with respect to the following Bucketwise OD’s being within the triggers OD’s within the budgeted figure Customers TOD level within acceptable norms Non Starter at minimum level Negligible skip / fraud cases Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation, besides ensuring dispatch of the physical file. Ensure the completed document is moved into the Operations Queue Reviews credit admin activities to ensure the activities like RMU movement, filing of charge, agreement filling, stock and book debt audit, legal dox review , regular information on deviations, deferrals to central unit etc are completed within stipulated time frame. Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions.

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function Credit Card - Credit Role Credit Underwriters Designation M2 Grade CTC 4 Lakhs to 5 Lakhs max (do not disclose the CTC) Experienced – Minimum 2 years’ experience in Underwriting (preferably Credit Cards) Location Goregaon & Thane (candidates staying about an hour max from office location). To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

JD - Credit Processing Associate Experience : 1 to 2 years of experience in loan processing or credit operations preferred Freshers with good communication and basic banking knowledge can also apply. Job responsibilities: Process loan application as per policy. Maintain file data in Centralized MIS and sales source Check and verify KYC, income and properly documents Coordinate with BC (BSS Microfinance) credit team and sale team Prepare application summary for credit approval. Highlight any risk or mismatch to credit manager Track pending documents and ensure timely follow-up Ensure rejection message are sent to customer and records are maintained Monitor TAT (turnround time) and escalate delays if needed Maintain proper digital and physical file records Skills Required: Knowledge of loan documentation and credit process Familiarity with Sales source and Centralized MIS Good Excel and communication skills Team coordination and follow-up ability

Collaborate with department heads to understand their staffing needs and job requirements. Manager and maintain TA databases, and prepare relevant dashboards. Utilize various sourcing methods, such as job portals, social media, networking, and referrals, to identify potential candidates. Create compelling job postings and advertisements to attract qualified candidates. Review resumes and applications, conduct preliminary screenings, and assess candidate qualifications and suitability for the position. Conduct phone or inperson interviews to evaluate candidates' skills, experience, and cultural fit. Schedule and coordinate interviews between candidates and interview panels. Provide guidance and support to both candidates and hiring teams throughout the interview process. Administer and evaluate pre-employment assessments, tests, or other screening methods to assess candidates' skills, aptitude, and compatibility with the role and organization. Facilitate the offer process by extending offers to selected candidates and negotiating compensation packages. Collaborate with other departmental heads and onboarding, to ensure a smooth transition for new hires. Stay informed about the latest recruitment trends, techniques, and best practices. Continuously improve recruitment processes and strategies to attract top talent.

Relationship Manager – LAP (Loan Against Property) & Affordable Loans : The Relationship Manager – LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company’s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor’s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Relationship management with aggregators across different levels from top management to middle management Strategize, manage and drive online aggregator partnerships for month on month target achievement Identifying and acquiring potential new aggregators Manage Direct Sales Team, Credit underwriters and call center - across different functions on a daily basis to meet the business goals & improve data point to disbursal funnel conversion To conceptualize and execute contests to motivate the partners Plan annual engagement calendars with aggregators aligned with business priorities Sales Planning and Day to day Operations for the Aggregator Platforms. Liaison with other internal cross functional stakeholders like Marketing, IT, digital/ BSG, to drive agreed initiatives to build scale Work with partners to design and execute joint PA/PQ programs resulting in 3X growth Job Requiremetnts Qualification - Graduate from a recognized University - with 6 to 8 years of experience of handling web aggregator business. preferably in banking or insurance. Job Knowledge–Understanding of personal loans will be an added advantage; Skills & Experience– Quick learner ; Excellent written and oral communication,