Opening for these Locations :-Jagityal | Manchierial | Siddipet | Nizambad | Mahabubnagar | Kamareddy | Khammam | Eluru | Gudivada | Vijayawada | Tiruvuru | Machilipatnam | Bapatla | Yemmiganur | Gangavathi | Tuni. Role & responsibilities : Job Description : As the Branch Credit and Risk Manager (BCRM), you will manage the credit and risk functions at the branch level. Your role will focus on evaluating loan applications, conducting detailed assessments, identifying risks, and ensuring compliance with credit policies. You will play a key role in maintaining a healthy loan portfolio and ensuring the efficient processing of loans from application to disbursement. Key Responsibilities: 1. Loan Processing & Credit Approval Process loan applications and ensure compliance with credit policies. Collect and assess required information for informed decision-making. Evaluate customer cash flow and repayment capacity. 2. Risk Management Conduct thorough KYC and Bureau checks to identify risks. Perform field investigations, including property verification and neighbor checks. Detect fraud and misrepresentation by assessing application authenticity. 3. Post-Approval Process Coordinate legal and technical aspects of loan disbursement. Verify all required legal and technical reports are accurate and compliant. 4. Portfolio Management & Delinquency Control Maintain and improve loan portfolio quality. Monitor delinquency rates and take proactive measures to control risks. 5. Performance Metrics & Reporting Ensure smooth loan processing by managing ideal TAT for login-to-sanction and sanction-to-disbursement. Achieve a high sanction-to-disbursement conversion rate (over 90%). Maintain First Time Right (FTR) compliance for logins above 75%. 6. Customer Communication Ensure customers understand their loan eligibility and terms. Clearly communicate loan requirements and support a seamless loan journey. Preferred candidate profile : Education: Bachelors degree in Finance, Business Administration, or related field. MBA or finance certifications are preferred. Experience: 2-5 years of experience in credit & risk within the financial services, mortgage, or real estate sector, with experience in LAP. Skills and Competencies: Strong interpersonal and communication skills with an ability to build rapport and trust with clients. Analytical skills and the ability to assess client financials and property documentation. Attention to detail and thoroughness in property visits and documentation review. Additional Requirements: Willingness to travel for on-site property visits and physical PD as needed. Basics in MS Office Perks and benefits: Opportunity for growth and career development. Hands - on experience in a dynamic business environment. Mentorship and guidance from industry leaders. Competitive salary package. Job Types: Full-time, Permanent Pay: ₹35,000.00 - ₹50,000.00 per month Benefits: Health insurance Provident Fund Schedule: Day shift Supplemental Pay: Performance bonus Work Location: In person
Job Description: As the Branch Credit and Risk Manager (BCRM), you will manage the credit and risk functions at the branch level. Your role will focus on evaluating loan applications, conducting detailed assessments, identifying risks, and ensuring compliance with credit policies. You will play a key role in maintaining a healthy loan portfolio and ensuring the efficient processing of loans from application to disbursement. Key Responsibilities: - Loan Processing & Credit Approval - Process loan applications and ensure compliance with credit policies. - Collect and assess required information for informed decision-making. - Risk Management - Conduct thorough KYC and Bureau checks to identify risks. - Perform field investigations, including property verification and neighbor checks. - Detect fraud and misrepresentation by assessing application authenticity. - Post-Approval Process - Coordinate legal and technical aspects of loan disbursement. - Verify all required legal and technical reports are accurate and compliant. - Portfolio Management & Delinquency Control - Maintain and improve loan portfolio quality. - Monitor delinquency rates and take proactive measures to control risks. - Performance Metrics & Reporting - Ensure smooth loan processing by managing ideal TAT for login-to-sanction and sanction-to-disbursement. - Achieve a high sanction-to-disbursement conversion rate (over 90%). - Maintain First Time Right (FTR) compliance for logins above 75%. - Customer Communication - Ensure customers understand their loan eligibility and terms. - Clearly communicate loan requirements and support a seamless loan journey. Qualification Required: - Education: Bachelors degree in Finance, Business Administration, or related field. MBA or finance certifications are preferred. - Experience: 2-5 years of experience in credit & risk within the financial services, mortgage, or real estate sector, with experience in LAP. - Skills and Competencies: - Strong interpersonal and communication skills with an ability to build rapport and trust with clients. - Analytical skills and the ability to assess client financials and property documentation. - Attention to detail and thoroughness in property visits and documentation review. Additional Details: Willingness to travel for on-site property visits and physical PD as needed. Basics in MS Office. Please ignore if not relevant: - Opening for these Locations: Jagityal, Manchierial, Siddipet, Nizambad, Mahabubnagar, Kamareddy, Khammam, Eluru, Gudivada, Vijayawada, Tiruvuru, Machilipatnam, Bapatla, Yemmiganur, Gangavathi, Tuni. Benefits: - Health insurance - Provident Fund Schedule: - Day shift - Performance bonus Work Location: In person,
You are a dynamic and customer-focused Customer Relationship Officer (CRO) with 6 months to 2 years of experience in Loan Against Property (LAP) and Home Loan (HL) products. Your role involves managing customer relationships, ensuring smooth loan processing, and supporting disbursement and documentation activities. **Key Responsibilities:** - Generate leads and source LAP/HL customers through field visits, references, and tele-calling. - Guide customers through the loan application, documentation, and disbursement process. - Coordinate with credit and operations teams for smooth file processing and approvals. - Maintain healthy customer relationships and ensure timely follow-up on leads and queries. - Achieve assigned targets for loan disbursal and customer acquisition. - Ensure complete adherence to compliance, documentation, and KYC norms. **Key Skills Required:** - Good understanding of LAP & HL products and documentation process. - Customer handling and relationship management. - Basic financial knowledge. - Communication and negotiation skills. - Target-oriented mindset. **Educational Qualification:** - Graduate in any discipline (preferably Finance/Commerce). *Salary*: As per industry standards *Incentives*: Performance-based **Benefits:** - Health insurance - Provident Fund (Note: No additional details of the company were mentioned in the JD.),
**Job Description:** As the Branch Credit and Risk Manager (BCRM), you will manage the credit and risk functions at the branch level. Your role will focus on evaluating loan applications, conducting detailed assessments, identifying risks, and ensuring compliance with credit policies. You will play a key role in maintaining a healthy loan portfolio and ensuring the efficient processing of loans from application to disbursement. **Key Responsibilities:** - Loan Processing & Credit Approval - Process loan applications and ensure compliance with credit policies. - Collect and assess required information for informed decision-making. - Risk Management - Conduct thorough KYC and Bureau checks to identify risks. - Perform field investigations, including property verification and neighbor checks. - Detect fraud and misrepresentation by assessing application authenticity. - Post-Approval Process - Coordinate legal and technical aspects of loan disbursement. - Verify all required legal and technical reports are accurate and compliant. - Portfolio Management & Delinquency Control - Maintain and improve loan portfolio quality. - Monitor delinquency rates and take proactive measures to control risks. - Performance Metrics & Reporting - Ensure smooth loan processing by managing ideal TAT for login-to-sanction and sanction-to-disbursement. - Achieve a high sanction-to-disbursement conversion rate (over 90%). - Maintain First Time Right (FTR) compliance for logins above 75%. - Customer Communication - Ensure customers understand their loan eligibility and terms. - Clearly communicate loan requirements and support a seamless loan journey. **Preferred candidate profile:** - Education: Bachelors degree in Finance, Business Administration, or related field. MBA or finance certifications are preferred. - Experience: 2-5 years of experience in credit & risk within the financial services, mortgage, or real estate sector, with experience in LAP. - Skills and Competencies: - Strong interpersonal and communication skills with an ability to build rapport and trust with clients. - Analytical skills and the ability to assess client financials and property documentation. - Attention to detail and thoroughness in property visits and documentation review. **Additional Requirements:** - Willingness to travel for on-site property visits and physical PD as needed. - Basics in MS Office **Perks and Benefits:** - Opportunity for growth and career development. - Hands-on experience in a dynamic business environment. - Mentorship and guidance from industry leaders. - Competitive salary package. **Benefits:** - Health insurance - Provident Fund **Schedule:** - Day shift **Performance Bonus** **Work Location:** In person,