6 Lending Practices Jobs

As a Business Development Executive (BDE) specializing in Loan Against Property (LAP) at our Virar, Mumbai location, you will play a crucial role in identifying and acquiring new customers for LAP products. With a required experience of 6 months to 3 years in LAP sales, mortgage loans, or secured lending, you will be responsible for developing and maintaining relationships with channel partners such as DSAs, real estate agents, and financial consultants. Your key responsibilities will include generating leads through direct sales, referrals, and networking, understanding customer requirements to recommend suitable LAP products, ensuring end-to-end customer engagement from lead generation to loan disbursal, and coordinating with credit and operations teams for smooth processing of applications. It will be essential for you to stay updated on market trends, competitor offerings, and regulatory changes to drive business growth effectively. To excel in this role, you must possess strong sales and negotiation skills, a good understanding of LAP, property valuation, and loan documentation, the ability to build and maintain client relationships, a target-driven mindset, and excellent communication skills. Additionally, knowledge of financial institutions and lending practices will be advantageous. Qualifications required for this position include HSC and prior experience in LAP sales is preferred. The salary offered is competitive with incentives, and the job type is full-time. A minimum of 1 year of experience in LAP is required, and proficiency in the English language is essential for effective communication in this role. If you are looking to leverage your sales expertise, client relationship management skills, and market knowledge to drive business growth in the LAP segment, we invite you to join our team as a Business Development Executive specializing in Loan Against Property.,

You will be working as an intern Credit Manager at Nestavia Home Finance Private Limited. Your primary responsibility will involve handling day-to-day credit management tasks, which includes credit risk management and financial analysis. The role requires you to be present on-site in Nalgonda. To excel in this role, you should possess Credit Management and Credit Risk Management skills, along with strong Analytical Skills and Finance knowledge. Previous experience in credit analysis and risk assessment is essential. A deep understanding of financial markets and lending practices will be beneficial. A Bachelor's degree in Finance, Economics, Business, or a related field is required for this position. Additionally, you should have excellent communication and interpersonal skills, along with keen attention to detail. The ability to thrive in a fast-paced environment is also crucial for success in this role.,

As a Branch Manager at Western Capital Advisors Pvt Ltd, you will play a pivotal role in leading the branch located in Hospet. Your primary responsibilities will include overseeing daily operations, managing a team of staff members, ensuring high levels of customer satisfaction, and achieving financial targets. You will also be tasked with implementing growth strategies to drive the branch's success while maintaining strict compliance with company policies. To excel in this role, you must possess strong leadership and management abilities, coupled with excellent communication and interpersonal skills. A background in the financial services or banking industry is essential, along with a solid understanding of supply chain finance and lending practices. Your capacity to analyze data and make informed strategic decisions will be crucial to your success in this position. Ideally, you should hold a Bachelor's degree in Finance, Business Administration, or a related field. Previous experience in a managerial role within the financial sector would be advantageous. If you are looking for an opportunity to make a meaningful impact and drive growth in the financial services industry, this role at Western Capital Advisors Pvt Ltd could be the ideal fit for you.,

As the Credit Risk Manager, you will be responsible for defining and implementing the overall credit policy, framework, and risk appetite of the organization. You will lead, mentor, and manage the credit team across branches/regions, ensuring effective collaboration with senior management on business strategy. Your role will involve developing risk assessment models and scoring systems aligned with business objectives and overseeing the evaluation of loan/credit proposals to ensure compliance with credit policies and regulatory requirements. Monitoring and controlling overall credit risk exposure will be a key aspect of your responsibilities, including setting limits for sectors, industries, and individual borrowers to minimize concentration risk. You will track the performance of the loan/credit portfolio to ensure healthy asset quality and coordinate with business development teams to align credit decisions with growth objectives. Generating MIS reports on portfolio health, sectoral exposures, delinquencies, and risk assessment will also be part of your duties. The ideal candidate will possess strong analytical and financial analysis skills, along with in-depth knowledge of credit risk management, lending practices, and compliance requirements. This is a full-time, permanent position with benefits including health insurance, leave encashment, paid sick time, and provident fund. The work location is in person.,

Job Title: Credit Analyst Department: Credit & Risk Company: MoneyMela P2P Fintech Private Limited Location: Bhubaneswar Employment Type: Full-time Role Overview We are seeking a detail-oriented and analytical Credit Analyst to join our NBFC (P2P Fintech) division. The role involves evaluating borrowers creditworthiness, assessing financial data, analyzing risks, and recommending lending decisions to ensure sound portfolio quality and risk management. Key Responsibilities Analyze credit data, financial statements, and other relevant information to determine borrower risk profiles. Assess loan applications, repayment capacity, and credit history in line with company policies. Conduct due diligence on individuals, SMEs, and other borrower categories. Prepare detailed credit appraisal reports and recommendations for approval/rejection. Monitor existing loan accounts and identify early warning signals of stress. Collaborate with business and risk teams to develop credit scoring models and lending frameworks. Ensure compliance with RBI guidelines, internal credit policies, and P2P lending regulations. Support automation and digitization of credit evaluation processes. Provide insights for portfolio performance improvement and risk minimization. Qualifications & Skills Bachelors/Masters degree in Finance, Commerce, Economics, or related field. 25 years of experience as a Credit Analyst in NBFC, Bank, Fintech, or P2P lending platform. Strong understanding of credit risk assessment, financial ratios, and lending practices. Familiarity with RBI NBFC/P2P guidelines. Excellent analytical, problem-solving, and decision-making skills. Proficiency in MS Excel, MIS reporting, and credit evaluation tools. Strong communication and report-writing skills. Preferred Background Experience in retail lending, SME lending, or P2P fintech credit evaluation. Exposure to credit underwriting and digital credit scoring systems. Show more Show less

Embark on a transformative journey as a FI Credit Risk Officer at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences. As an FI Credit Risk Officer at Barclays, your primary responsibility will be the effective credit risk management of the assigned portfolio of clients, including financial institutions such as Banks, Sovereigns, Funds, and CCPs. This involves ensuring compliance with Banks credit risk policies & procedures and the internal controls framework. You will play a crucial role in supporting credit risk sanctioning and establishing effective working relationships with other credit officers, business and product teams, and various relevant functional areas, including senior internal stakeholders. To excel in this role, you should have experience in preparing annual credit review packs and Industry reviews, supporting credit officers in day-to-day risk management activities, managing credit limit requests, monitoring risk limits, and maintaining accurate information in the Banks Risk systems. Additionally, possessing a thorough understanding of the underlying principles and concepts within the area of expertise will be highly valued. Key skills that will be assessed for your success in this role include risk and controls, change and transformation, business acumen, strategic thinking, digital and technology proficiency, and job-specific technical skills. The job location for this role is in Mumbai. **Purpose of the role:** Your main purpose will be to assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirements. This involves analyzing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices. **Accountabilities:** - Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency. - Evaluating the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. - Providing independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements. - Developing and implementing appropriate courses of action for troubled lending, including workout plans, restructuring, or collections. **Analyst Expectations:** - Performing prescribed activities in a timely and high-standard manner consistently driving continuous improvement. - Demonstrating in-depth technical knowledge and experience in the assigned area of expertise. - Leading and supervising a team, guiding professional development, allocating work requirements, and coordinating team resources. - Taking ownership of managing risk and strengthening controls in relation to the work you own or contribute to. All colleagues at Barclays are expected to uphold the Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, as well as demonstrate the Barclays Mindset of Empower, Challenge, and Drive.,