Job
Description
As a professional managing end-to-end credit underwriting and operations for secured loan products at Arth, your role will involve the following responsibilities: - **Credit Appraisal and Underwriting**: - Evaluate secured loan proposals (LAP, Home Loans, Business Loans with collateral) across multiple customer segments. - Conduct thorough due diligence on financial, business, and property-related documents. - Coordinate with legal and technical agencies for verification, valuation, and title clearance reports. - Maintain turnaround times (TATs) and ensure adherence to credit risk guidelines and approval matrices. - **Operations And Documentation**: - Oversee document verification and processing for loan disbursal. - Ensure data accuracy in internal systems (LMS/CBS). - Manage pre-disbursal and post-disbursal documentation and recordkeeping. - Support centralized disbursement operations and ensure audit readiness. - **Regulatory And Policy Compliance**: - Ensure all activities align with regulatory norms, RBI guidelines, and internal credit policies. - Identify and escalate exceptions/deviations to the appropriate authority for resolution. - Participate in periodic internal/external audits and facilitate the timely closure of observations. - **Vendor And Stakeholder Coordination**: - Liaise with legal, technical, sales, and branch teams to ensure efficient file movement and closure. - Monitor service levels and performance of third-party vendors. - Act as the central point of coordination between credit, operations, and field teams. - **Portfolio Monitoring And Reporting**: - Track disbursement volumes, pending files, and policy deviations. - Generate and analyze MIS reports related to credit decisions and operational metrics. - Provide insights for continuous improvement in underwriting and disbursement processes. **Requirements**: - Graduate/Postgraduate in Finance, Commerce, or Business Management. - 3-6 years of experience in credit underwriting and secured loan operations (NBFC/SFB/Banking domain). - Strong understanding of secured lending products (LAP, HL, etc.) and associated risks. **Key Skills**: - Credit assessment and risk evaluation. - Knowledge of legal and technical documentation for property loans. - Familiarity with regulatory frameworks (RBI, KYC/AML norms). - Coordination with cross-functional teams and third-party vendors. - Proficiency in MS Office and Loan Management Systems (LMS). - Strong analytical and communication skills. As a professional managing end-to-end credit underwriting and operations for secured loan products at Arth, your role will involve the following responsibilities: - **Credit Appraisal and Underwriting**: - Evaluate secured loan proposals (LAP, Home Loans, Business Loans with collateral) across multiple customer segments. - Conduct thorough due diligence on financial, business, and property-related documents. - Coordinate with legal and technical agencies for verification, valuation, and title clearance reports. - Maintain turnaround times (TATs) and ensure adherence to credit risk guidelines and approval matrices. - **Operations And Documentation**: - Oversee document verification and processing for loan disbursal. - Ensure data accuracy in internal systems (LMS/CBS). - Manage pre-disbursal and post-disbursal documentation and recordkeeping. - Support centralized disbursement operations and ensure audit readiness. - **Regulatory And Policy Compliance**: - Ensure all activities align with regulatory norms, RBI guidelines, and internal credit policies. - Identify and escalate exceptions/deviations to the appropriate authority for resolution. - Participate in periodic internal/external audits and facilitate the timely closure of observations. - **Vendor And Stakeholder Coordination**: - Liaise with legal, technical, sales, and branch teams to ensure efficient file movement and closure. - Monitor service levels and performance of third-party vendors. - Act as the central point of coordination between credit, operations, and field teams. - **Portfolio Monitoring And Reporting**: - Track disbursement volumes, pending files, and policy deviations. - Generate and analyze MIS reports related to credit decisions and operational metrics. - Provide insights for continuous improvement in underwriting and disbursement processes. **Requirements**: - Graduate/Postgraduate in Finance, Commerce, or Business Management. - 3-6 years of experience in credit underwriting and secured loan operations (NBFC/SFB/Banking domain). - Strong understanding of secured lending products (LAP, HL, etc.) and associated risks. **Key Skills**: - Credit assessment and risk evaluation. - Knowledge of legal and technical documentation for property loans. - Familiarity with regulatory frameworks (RBI, KYC/AML norms). - Coordination with cross-functional teams and third-party vendors. - Proficiency in MS Office and Loan Mana
