1831 Credit Underwriting Jobs - Page 7

Job Title: Branch Credit Analyst Company Name: Kinara Capital Job Description: As a Branch Credit Analyst at Kinara Capital, you will be responsible for assessing and analyzing the creditworthiness of potential borrowers. You will work closely with branch teams to ensure that all credit assessments align with the company's lending policy and risk management framework. Your role will involve conducting thorough financial analyses, evaluating credit reports, and making informed recommendations regarding loan approvals or rejections. Key Responsibilities: - Analyze loan applications and financial statements of individuals and small businesses to determine creditworthiness. - Conduct site visits and interviews with clients to gather additional information for credit assessments. - Prepare detailed credit reports and present findings to branch management. - Maintain up-to-date knowledge of industry trends, regulations, and risk factors affecting lending. - Collaborate with branch teams to identify potential areas for improvement in the credit assessment process. - Assist in developing and implementing credit policies and procedures to optimize risk management. Skills Required: - Strong analytical and quantitative skills. - Excellent written and verbal communication abilities. - Attention to detail and strong organizational skills. - Ability to work independently and as part of a team. - Proficiency in financial modeling and risk assessment. - Problem-solving skills with a focus on client needs. Tools Required: - Proficiency in Microsoft Excel and financial analysis software. - Familiarity with database management systems. - Knowledge of credit reporting tools and risk assessment software. - Experience with customer relationship management (CRM) tools. - Ability to utilize statistical analysis tools for credit risk evaluation. Ideal Candidate Profile: The ideal candidate for the Branch Credit Analyst position at Kinara Capital will demonstrate a strong understanding of financial analysis and credit risk assessment. You should have a background in finance, accounting, or a related field, with relevant experience in credit analysis or lending. A proactive approach, coupled with a commitment to maintaining high professional standards, will be essential for success in this role.

Interested Candidate can share CV vaibhav.macwan@efl.co.in Role & responsibilities Financial Analysis: Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants. Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications. Credit Risk Assessment: Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors. Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements. Loan Structuring: Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company. Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability. Documentation and Compliance: Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines. Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information. Communication and Decision Making: Present credit proposals and recommendations to senior management and credit committees for approval. Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications. Preferred candidate profile Candidate with min 5 years of experience as credit underwriter of BL/WC/Machine loans with ticket sizes up to 5 Cr. Perks and benefits Best as per industry standards

Role & Responsibilities: -To have basic understanding of KYCs, regulatory reforms related to GST, Income Tax, and others -To appraise or underwrite Business Loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority -To conduct personal discussion with customer / client with intent to understand and analyze associated risks in the business and financial standing of the client. -To assess the income, ability, intention, business sustainability & credit behavior and verify it through income documents & reference checks and various credit bureau checks. -To verify legal and technical reports and identify the risks or critical points impacting the proposal. -To analyze the audited / certified financials as the case may be to assess the eligibility for the loan and prepare Credit Approval Memo -To manage the entire credit assessment process right from the origin till activation.

Job Purpose: Responsible for acquiring new asset relationships, managing a portfolio of 3040 BBG clients, ensuring high service quality, and driving cross-sell opportunities across the mapped geography. The role demands strong business development, relationship management, and internal coordination to meet business and profitability targets. Key Responsibilities: 1. Business Development & Acquisition Acquire new business banking asset relationships through various sourcing channels including branches, leads, and market mapping. Achieve volume and profitability targets through customer acquisition and deepening existing relationships. Actively work with branch teams to generate and convert leads; update lead status in CRM and follow defined sales processes. Identify wallet share and cross-sell opportunities for liabilities, salary accounts, insurance, and investment products. Ensure strong return on capital and improved portfolio yield. 2. Relationship Management Maintain and strengthen long-term relationships with BBG customers and their associated entities. Resolve customer issues related to trade, foreign exchange, asset servicing, and daily banking transactions. Conduct regular client visits and maintain structured call memos in CRM for effective tracking. Enhance income per household (IPH) and customer-to-group (CTG) metrics. 3. Credit, Documentation & Disbursement Coordinate with credit teams for CAM preparation, approvals, and query resolutions. Oversee documentation and ensure timely deferral closure, legal and technical report tracking, and post-disbursement compliance. Negotiate terms and pricing with clients while ensuring risk-return alignment. 4. Cross-Functional Coordination Liaise with internal stakeholders: Credit, Ops, Trade Desk, Treasury, CMS, E-Net, and Salary teams for seamless transaction processing and customer servicing. Collaborate with other product teams to improve product penetration and customer satisfaction. 5. Compliance & Portfolio Health Monitor and maintain portfolio health through regular reviews, housekeeping, and timely renewals of facilities. Manage stress accounts proactively and implement appropriate exit, restructuring, or recovery strategies. Ensure compliance with KYC, AML, and internal risk guidelines. Educational Qualifications: Post-Graduate in Finance / Business Management or Chartered Accountant Experience: Minimum 23 years of experience in Working Capital / BBG sales and service in a Private Sector Bank Key Skills: Strong Financial and Balance Sheet Analysis Sales, Influencing & Negotiation Skills Deep Knowledge of Banking Products and SME Segment Strong Communication & Relationship Management Problem-Solving & Analytical Thinking Knowledge of Regulatory Norms and Banking Compliance Major Stakeholders: Customers & Promoters Credit Underwriting Teams Branch Banking Teams Operations & Disbursement Units Legal & Compliance Treasury, Salary, and CMS Teams Product & Insurance Teams (Life/General) Trade & Forex Desk Retail Assets and Credit Card Teams

Job Purpose To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement. Adherence to the policy/process laid out by the Central team on all application being processed Very close monitoring on Non-starters EMR 3-30 & 6-60 trends so as to ensure healthy portfolio. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location. To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives. To ensure vendor report quality. Role & responsibilities Preferred candidate profile Basic Aptitude Understand and Reading Financial Statement Understanding of Agricultural nuances are an added advantage Interpersonal Skills Good Communication Skills Ability to negotiate

Ensure team exercises their credit delegation authority with all due diligence within the policy framework. Setting up & Monitoring processes related to policy/process & timely decision on all applications being processed. To ensure the team processes all loan applications within the defined turn-around time [TAT] efficiently, accurately, and high service standards. Monitoring of Portfolio hyegine and take corrective actions. Co-ordinating and arrange & conduct training to CMs on credit scrutiny, changes in policy, other regulatory requirements, process adherence/reiteration etc. Liaison with industry peer banks & financial institutions to understand the market behavior. To look proactively at best practices across industries and try adapting them to own context. Regular interaction with all the stakeholders including Anchor Impart training on changes related to processes, regular feedback towards overall improvement of their performance, TAT deliverables, data entry quality etc.

You will be working as an Underwriter at Easebuzz Private Limited. Your primary responsibility will be to review merchant applications and business documentation for underwriting. Based on defined risk parameters, you will have to approve or reject onboarding requests. It will also be crucial for you to identify and prevent high-risk or non-compliant merchants. Continuous monitoring of live merchant behavior to flag policy violations and detect suspicious transaction activity will be part of your duties. You will need to document fraudulent patterns and segregate merchants based on risk levels, managing internal risk tagging efficiently. Collaboration with product/tech teams to enhance the risk engine and automate checks will also fall under your purview. Handling transaction disputes, chargebacks, and merchant escalations will be essential aspects of your role. Additionally, you will be expected to interact with partner banks, CPV vendors, and internal teams to resolve queries and stay updated on industry best practices in fraud prevention to implement them for process improvements. To excel in this role, you are required to have at least 3 years of experience in merchant or credit underwriting (Bank/NBFC/Fintech). A deep understanding of credit risk, particularly for self-employed or SME merchants, will be beneficial. A strong analytical mindset with a focus on risk patterns and fraud indicators is crucial. Experience in chargebacks, disputes, and transaction monitoring will be an added advantage. While a degree in B.Com / MBA / CA / CS / ICWA or a related field is preferred, it is not mandatory. This is a full-time position with a salary as per company standards. You should have a minimum of 4 years of relevant professional work experience to be eligible for this role.,

As a Credit Analyst, your main responsibilities will include sourcing and structuring large-ticket credit proposals such as Working Capital, Term Loans, and Project Loans of 10 Crore and above. You will be tasked with identifying and activating corporate sourcing channels and large-value business opportunities. Additionally, conducting in-depth financial analysis, credit appraisal, and balance sheet evaluation for mid-sized and prime clients will be a crucial part of your role. Building and maintaining strong relationships with Corporate DSAs, Chartered Accountants, and Financial Advisors will be essential. You will also collaborate with internal teams and credit for smooth sanction, documentation, and disbursement processes. Monitoring and managing the high-value MSME portfolio to ensure healthy credit quality and business growth will be a key aspect of your job. To qualify for this position, you should hold a Graduate/Postgraduate degree in Finance, Banking, or Marketing. You must have a minimum of 7-10 years of proven experience in sourcing and managing large-ticket MSME and corporate loans of 10 Crore and above, preferably in reputed banks or financial institutions. A strong command of credit underwriting, risk assessment, and compliance norms is required for this role.,

As an Underwriting Analyst at Accenture, you will be responsible for analyzing and evaluating credit portfolios and financial reports. Your role will involve interpreting financial data, assessing market trends, and evaluating the potential impact on client operations and financial performance. This includes conducting climate risk assessments and industry research. Your tasks will also include assessing the creditworthiness and financial strength of clients through critical financial and risk analysis. You will utilize qualitative and quantitative data from recommended institutions such as S&P, Moody's, and Fitch to provide recommendations for risk rating and classifications. In addition, you will be expected to complete credit and financial risk analysis reports with clear and concise critical analysis based on informed judgment. This analysis should be conducted in alignment with Underwriters" guidelines and risk appetite. It will involve evaluating various factors such as mergers and acquisitions, claims and litigation, international exposure, regulatory developments, financial performance, and cash flow. To excel in this role, you should hold a Bachelor's degree in accounting or finance. A CPA or MBA would be a bonus. Ideally, you should have 2-3 years of experience in corporate credit analysis from a bank or similar financial institution. It is essential to have a strong understanding of US GAAP financial statements and familiarity with US industrial, commercial, capital, and consumer sectors. Your responsibilities will include financial analysis, risk and credit underwriting, and utilizing fundamental analytical skills to identify trends and anticipate future challenges and risks. You will analyze and rate a company's profitability, asset quality, liquidity, leverage, and credit histories. Furthermore, you will support Underwriters and Credit Officers in buyer administration tasks such as setting up buyer accounts, identifying buyer DUNS, and performing automated buyer credit limits. Strong communication skills, both oral and written, are crucial for this role. You will be required to complete extensive write-ups to analyze risk and present them clearly for credit officers and underwriters to understand. Additionally, you may need to communicate via email or Microsoft Teams with credit officers and underwriters. If you have previous experience as a credit analyst, credit risk analyst, or equity financial analyst in financial institutions, and possess the necessary qualifications and skills outlined above, we encourage you to apply for this position and be part of our dynamic team at Accenture.,

Part of the Credit Underwriting Team. - Responsible for Credit Appraisal & Sanctioning - Handling small - medium ticket for LAP and Home loans - Evaluating LAP (loan against property) for salaried and self employed clients. Identifying risk associated to the lending and finding alternatives to mitigate them. - Ensuring compliance with retail credit policy and guidelines of the Bank, Reserve Bank and other regulatory bodies. - Preparing detailed reports of the loans during the appraisal process. - Coordinating with different teams like legal, fraud, document prep, draw down for smooth disbursement of the loans.

Credit Manager About Supermoney We are looking for a dynamic Credit Manager to join our team as we scale our company. Supermoney is the trusted digital working capital solutions partner for enterprises and small businesses. We partner with leading brands such as Jiomart, Reliance, Haier, Jindals, Amaron etc. to extend customized payments and financing solutions for their supply chain ecosystem. Learn more at https://www.supermoney.in/ Location: Mumbai Roles & Responsibilities: 1. Provide analysis of customer financial statements and ensure that all data entry is accurate and complete and authorize credit limits 2. Responsible for the underwriting of loan requests and annual reviews 3. Serve as consultant in the local Credit Committees and related meetings and projects 4. Interact with current loan/credit customers, prospects, and bank lending officers 5. Discuss the decision process for credit lines exceeding the local competencies with Headquarters, if applicable 6. Responsible for reviewing legal documentation and ensure proper administrative follow up of credit decisions 7. Analyze loan data, including data provided by customers, credit bureaus, and bank records on new, renewal, and existing loans to ensure loan worthiness 8. Prepare spreadsheets, summaries, reports, and opinions for loan officers and loan committees to aid sound credit decisions on new, renewal, and existing loans 9. Ensure that clients financial statements are in line with company’s policies, and express an opinion on the financial situation of the customer 10. Based on the agreed policies of the company, decision making of approval of rejection of a particular loan application and making further connections for verification of customer’s documents. 11. Maintain current knowledge of industry and professional topics by attending relevant training sessions 12. Ensure there are timely and effective mechanisms for feedback to teams and team members on issues related to performance or compliance to policy and procedure, including retraining or other measures as needed

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Manager and other NBFIs) located in various regions Globally. MAIN ACCOUNTABILITIES The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle. Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk. Conduct sector research to support the analysis. Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client. Propose obligor ratings using our internal rating tools. Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality. Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure. Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties. Assist in special credit related assignments and projects, as required. COMPETENCIES Required: Ability to organize time and manage deliverables to deadlines. Ability to identify and accommodate shifting priorities with little notice Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data. Acquire ability to complete work with minimal or no supervision Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors. Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients. TECHNICAL SKILLS Required: Proficiency using Word for written analysis and Excel for spreadsheet analysis Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors. Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s) Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions Develop competency with SGs internal systems. Desired: Knowledge of capital markets/traded products and committed financing facilities Knowledge of Asset Management and Banking Industry. Advanced Excel skills, such as macros and pivot table

GLBA/CPM/AME/COR : Global Banking Advisory (GLBA) / Credit Portfolio Management (CPM) / Americas (AME) / Corporates (COR) CPM manages GLBA's loan book across geographies with the objective to enhance capital optimization and disciplined portfolio management. Primary role of CPM/AME is to perform end-to-end credit analysis of SG Americas corporate banking clients including but not limited to analysing clients credit worthiness, assigning credit ratings, understanding corporate banking products, recommending risk mitigants, continuous tracking of the banks overall exposure to our clients and ensuring compliance to all applicable regulatory guidelines. Role Description: This position has a focus on Credit Administration function supporting the AMER region of GLBA/CPM in the Corporates vertical. The Credit Admin role in GLBA/CPM Bangalore entails supporting and assisting analysts covering AMER portfolio in performing credit analysis. Key responsibilities include: - Credit Approvals - assisting the credit analysts on Annual reviews and Credit transaction requests o Follow-up with Banks Business Lines (BLs) to (i) initiate renewals and (ii) provide timely approvals on time credit file o Work with BLs to ensure that system-based credit requests are complete prior to submission to senior management o Post approval activities - Ensure the banks reporting system are correctly updated o Delegations: (i) Check delegations for credit requests and ensure that correct approval levels are outlined in the credit applications (ii) Populate the list of people required to approve a credit request from both a credit and policy point of view o Driving improvement in client referential data quality - Financial Spreading and Ratings o Obtain latest financial statements from BLs and save in the shared drives o Upload financial statements to SGs internal financial spreading application and validate as needed. o Ensure that validated financial statement data is flowing correctly into the banks rating tools o Follow up with RISK teams for ratings approvals o Review the Missing / Expired rating report to identify any ratings that need to be renewed and trigger remediation o Alert on exposure without ratings o Update Peer comparison table - Exposure and concentration management: o Outline all existing credit facilities and exposure in the credit application o Maintain Global Exposure Summary Schedule (including Global approval envelopes) on an ongoing basis o Work with BLs to correct exposures / Client groupings. Ensure data accuracy in exposure / concentration applications o Monitor overshoots and assess whether it is an active or a passive overshoot by liaising with the BL o Following up with BLs for status on unpaid / past due exposure and to understand if this is technical or not. Assist Credit analysts in (i) addressing these defaults (ii) provide RISK a valid rationale for clients inability / unwillingness to clear its dues. - Other aspects of the credit process + Transversal activities o Guarantee Analysis - Sourcing of the Guarantee / support documentations from tools / business lines etc. o Assist Credit Analysts with the monitoring of the portfolio o Complete weekly workflow trackers and ensure that the pipeline is up to date. o Regularize credit approvals in systems, as needed. o Assist with deal closing activities o Assist management in ad-hoc projects Profile required Skills - Basic understanding of the credit processes of a global multinational bank - Intermediate financial spreading skills and understanding of accounting (US GAAP and IFRS). - Basic Knowledge of capital markets / traded products, commercial financing facilities and investment banking products. - Advanced knowledge of MS Word, MS Excel, MS PowerPoint - Strong behavioral skills such as ownership, communication skills, negotiation skills, independence, problem solving capabilities - Ability to complete work with minimal or no supervision and accommodate shifting priorities. - English strong written and spoken required Educational Qualifications: Graduate or Postgraduate in Finance Experience Level: (i) Two to five years of experience in credit operations / credit support / middle office (ii) Experience in corporate banking / market risk products of large multinational banks would be an added advantage.

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Role - Micro Loan Officer - Field Officer Reporting To Branch Manager 1. Starting business in a new village a. Village identification within the radius b. Feasibility study of the village based on demographics, activities and financial needs ofthe customers c. Assist the MC-IC in making the village approval 2. Sourcing of business a. Identification of customers and forming of Joint Liability Groups b. Filling up of the application form c. Verification of the residence and business of the customer d. KYC verification e. Pre-disbursement training f. Visiting potential customers in order to develop business 3. Disbursements a. Collection of KYC documents b. Assisting the MC-IC for disbursement activity completion c. Loan documentation 4. Collection of current dues a. Collect the collection sheets and stickers from MC-IC b. Group-wise collection as per scheduled time by following the process c. Deposit of collection money d. MERC entry 5. Collection of over dues a. Follow up with the customers with updated data report of assigned portfolio b. Collection of money as per process c. Depositing the money in bank d. MERC entry e. Assist the MC-IC in initiating action against the defaulters Eligibility:Interested in Sales and CollectionsGraduate / Post Graduate / 12 th / Diploma

Role - Micro Loan Officer - Field Officer Reporting To Branch Manager 1. Starting business in a new village a. Village identification within the radius b. Feasibility study of the village based on demographics, activities and financial needs ofthe customers c. Assist the MC-IC in making the village approval 2. Sourcing of business a. Identification of customers and forming of Joint Liability Groups b. Filling up of the application form c. Verification of the residence and business of the customer d. KYC verification e. Pre-disbursement training f. Visiting potential customers in order to develop business 3. Disbursements a. Collection of KYC documents b. Assisting the MC-IC for disbursement activity completion c. Loan documentation 4. Collection of current dues a. Collect the collection sheets and stickers from MC-IC b. Group-wise collection as per scheduled time by following the process c. Deposit of collection money d. MERC entry 5. Collection of over dues a. Follow up with the customers with updated data report of assigned portfolio b. Collection of money as per process c. Depositing the money in bank d. MERC entry e. Assist the MC-IC in initiating action against the defaulters Eligibility:Interested in Sales and CollectionsGraduate / Post Graduate / 12 th / Diploma

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

LTFinance is looking for SENIOR EXECUTIVE - HL DISBURSEMENT to join our dynamic team and embark on a rewarding career journey. Handle end-to-end processing of Home Loan disbursements, ensuring timely and accurate release of funds as per sanctioned terms and company policies Scrutinize loan documentation and validate completeness, correctness, and compliance before initiating disbursement Coordinate with internal departments such as credit, legal, and technical teams to ensure all prerequisites and disbursement conditions are met Maintain proper records of disbursed cases and ensure documentation is safely stored and digitally updated Liaise with customers, builders, and channel partners to resolve queries related to disbursement Ensure compliance with regulatory and audit requirements in all processes Generate and analyze disbursement MIS reports, highlight anomalies, and take corrective actions Support audits by providing necessary data and documents promptly Work closely with finance and treasury teams to ensure smooth fund flow and reconciliations

LTFinance is looking for OFFICER - HL DISBURSEMENT to join our dynamic team and embark on a rewarding career journey. Scrutinize home loan sanction documents and ensure accuracy, completeness, and compliance with internal policies and regulatory guidelines before disbursement Coordinate with credit, legal, and technical teams to ensure all pre-disbursement conditions are met in a timely manner Process disbursement requests by validating customer KYC, sanction letters, property-related documents, and other relevant paperwork Prepare and verify disbursement memos and ensure timely fund transfers to the builder/seller/customer as applicable Maintain accurate records of disbursed files and update disbursement data in the loan management system Address queries from internal teams, customers, and external stakeholders regarding disbursement status or document requirements Monitor TAT (Turnaround Time) and ensure compliance with SLAs for disbursement activities Identify process improvement opportunities and ensure error-free and timely execution of disbursements Coordinate with finance and operations for reconciliation and reporting of disbursed amounts Ensure adherence to audit, compliance, and risk management protocols during the disbursement process

JOB PURPOSE: Responsible for Sales and Collections in the assigned location 1. PRINCIPAL ACCOUNTABILITIES: Sourcing business in the assigned locationEvaluating the creditworthiness of applicants to determine the loan eligibilityEnsuring complete documentation of loan applications Collaborating with internal Departments (Operations, Credit, Legal and Technical) to ensure smooth loan processing and disbursement.Taking Care of Collection of ED and QM Cases / Follow up on E-Nach MandateAchieving monthly targets which may include loan disbursement volumes and revenue goalsEnsure adherence to all processes, compliance & policies. SKILLS AND KNOWLEDGEEffective CommunicationAttention to detailProblem SolvingTeam workAbility to work in a target-oriented environment. EDUCATIONAL QUALIFICATION:Any graduate EXPERIENCEMinimum 1+ years of sales experienceLAP / HL Sales domain sales experience with Banks or NBFCs is added advantage

JOB PURPOSE: Responsible for Sales and Collections in the assigned location 1. PRINCIPAL ACCOUNTABILITIES: Sourcing business in the assigned locationEvaluating the creditworthiness of applicants to determine the loan eligibilityEnsuring complete documentation of loan applications Collaborating with internal Departments (Operations, Credit, Legal and Technical) to ensure smooth loan processing and disbursement.Taking Care of Collection of ED and QM Cases / Follow up on E-Nach MandateAchieving monthly targets which may include loan disbursement volumes and revenue goalsEnsure adherence to all processes, compliance & policies. SKILLS AND KNOWLEDGEEffective CommunicationAttention to detailProblem SolvingTeam workAbility to work in a target-oriented environment. EDUCATIONAL QUALIFICATION:Any graduate EXPERIENCEMinimum 1+ years of sales experienceLAP / HL Sales domain sales experience with Banks or NBFCs is added advantage