88 Retail Credit Jobs - Page 4

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Delhi. The ideal candidate will have a strong background in credit underwriting, risk assessment, and portfolio management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to maintain bankability standards. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a preference for CA/MBA certification. Minimum 10 years of experience in credit underwriting, risk assessment, or a related field. Possess strong knowledge of credit underwriting principles, risk assessment, and portfolio management. Demonstrate excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines is essential. Strong analytical and problem-solving skills are required.

We are looking for a highly skilled and experienced Credit Manager to join our team in Bengaluru. The ideal candidate will have 2-7 years of experience in credit underwriting, risk assessment, and portfolio management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to determine loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve optimal outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability and facilitate critical review and documentation of proposals while monitoring client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps as needed while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Job Graduate or Postgraduate degree in any field; CA/MBA is preferable. Strong knowledge of credit underwriting, risk assessment, and portfolio management. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience in managing teams and leading by example. CertificationsCA/MBA (Preferable).

We are looking for a highly skilled and experienced Credit Manager to join our team in Hyderabad. The ideal candidate will have 3-5 years of experience in the field. Roles and Responsibility Review and assess complex loan applications within defined guidelines, making decisions or recommending approval to higher authorities. Underwrite proposals as per laid down policies and procedures to meet business volumes and agreed SLAs. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to determine loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS, regularly reporting the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decision-making on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage and home loan businesses in close liaison with the sales team. Undertake ongoing review of credit exposures to maintain bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a strong academic record. Minimum 3 years of experience in credit management, preferably in housing finance. 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 MS Office and other relevant software applications. CertificationsCA/MBA (Preferable). Additional Info The selected candidate will be required to manage a team and provide guidance and support to junior staff members.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Nandyal, Sanjeev Nagar. The ideal candidate will have a strong background in credit underwriting and risk management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios and loan to value ratios, and calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to maintain bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a preference for CA/MBA certification. Minimum 10 years of experience in credit underwriting and risk management. Strong knowledge of credit underwriting principles, practices, and regulations. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Lucknow. The ideal candidate will have a strong background in credit underwriting, risk management, and customer relationship building. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to determine loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to facilitate approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a minimum of 10 years of experience in credit underwriting or a related field. Strong knowledge of credit underwriting principles, risk management, and customer relationship building. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Proficiency in MS Office and other relevant software. CertificationsCA/MBA (Preferable). Additional Info The company offers a dynamic and supportive work environment, with opportunities for growth and development.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Palanpur, S9 Complex, JM. The ideal candidate will have a strong background in credit underwriting and risk management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios and loan to value ratios, and calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree. CA/MBA certification is preferable. Minimum 10 years of experience in credit underwriting and risk management. Possess strong knowledge of credit underwriting principles, practices, and regulations. Demonstrate excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills.

About Us. Standard. At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.. About The Role. At ANZ our purpose is to shape a world where people and communities thrive and to achieve this, we need a talented Sr. Risk Analyst to join our GCC Retail Risk Australia team, wwithin our GCC Group Risk division.. Risk is a critical function, with highly valued and innovative teams that enable ANZ to deliver its purpose.. The Retail Credit Risk Department is responsible for the management of credit risk policy, strategy, governance and oversight across the credit lifecycle, balancing customer, shareholder, and regulatory objectives. You will support strategic direction by translating insights into practical business recommendations, communicating team objectives, and presenting data in digestible, logical, and compelling ways.. Banking is changing and we’re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you’ll be building your future, while helping to build ours.. Role Type: Permanet. Role Location: Manyata Tech Park, Bengaluru. Work Hours: 7 am to 4 pm. What will your day look like?. As a Senior Risk Analyst, you will:. Deliver on actionable/value-add insights and analyses in support of the decision automation and optimisation journey of Retail Risk. Streamline credit risk strategy, policy, and process for ANZ’s Retail Credit Portfolios. Deliver improved decision automation, low friction and fast outcomes for customers whilst managing ANZ risk appropriately. Utilise analytical techniques, leveraging existing data and system infrastructure, to create more tailored decisions and offers that improve customer and business outcome. End to end delivery of changes from ideation to rollout, coordinating with stakeholders across the business. Engage with Sr. stakeholders across teams and locations in Australia, Manilla and Bengaluru. What will you bring?. To grow and be successful in this role, you will ideally bring the following:. At least five years of technical experience using data tools that require coding skills (such as SAS, SQL, Python, R, etc.). Relevant prior experience working within industries including (but not limited to): financial, professional, or consulting services, utilities, engineering, information/data providers (such as credit bureaux). Collections and Hardship risk prior experience preferred. Excellent attention to detail, operating in a thorough and well-ordered way to produce accurate, complete, consistent, and compliant work. Effective communication skills both written and verbal, with a strong capability to articulate complex analytical information clearly and simply. Can appreciate difficult problems and enjoy getting stuck into the detail, but able to keep an eye on the big picture to keep moving forward. Comfortable being uncomfortable – You are comfortable with uncertainty and can effectively manage yourself through ambiguity and change. Stakeholder management experience, as necessary to enable work to be delivered. Adjust working with Australia time (early start 7AM IST). A critical thinker, with prior experience solving business problems using data, analytics, and technology (systems), combined with complex and analytical thinking skills. You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.. So why join us?. From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.. But it's not just our customers who'll feel your impact. you'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.. We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.. At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirement, let us know how we can provide you with additional support.. To find out more about working at ANZ, visit https://www.anz.com.au/careers . You can apply for this role by visiting ANZ Careers and searching for reference number 97940. Job Posting End Date. 13/06/2025 , 11.59pm, (Indian Standard Time). Show more Show less

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

Job Purpose: This role is responsible to create, review & implement credit policy for the Two Wheeler business in line with business requirements. Also Responsible for conceptualization & launch of credit policy for the same. Key Responsibilities: Conduct periodical review meetings with the business head for aligning credit policy to business needs and reporting credit deviations Portfolio reviews covering areas of delinquency reports, perusing Early Warning System (EWS) reports. Focus should be on portfolio intervention and resolutions strategies with the business unit in order to improve asset quality on continuous basis Capturing key data elements and analyzing them, interpreting the cross-period movements and understanding the macro mechanics of the system Responsible for the compliance to procedures laid down for processing, sanction, documentation and disbursement of various loan products at all the branches Identify and implement system and process improvements to ensure accurate, thorough data is available to support high quality analysis Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control Introduce projects related to process improvement, business development and risk reduction; serve as a co-owner for these projects Define processes and procedures in the credit function; ensure compliance with credit policy by coordinating with the authority at all locations Managing of Rule engine for credit decisioning Study competition and anticipate market trends, create programs to counter competition and improve business results Plan and execute quarterly risk assessment process in accordance with established standards, policies & procedures Ensure credit deviations are within control by monitoring underwriting quality; achieve credit cost reduction through programs focused on process and productivity improvement Job Requirements: Post Graduate / MBA 15+ years in Two Wheeler financing credit underwriting & policy Ability to derive industry insights & analyze best practices across industry Understanding of Two Wheeler industry; product knowledge Exposure to retail finance lending Ability to analyze the portfolio risk and to deal with the customers Strong analytical skills Strong communication and interpersonal skills Good negotiation skills

Role Purpose As part of Credit, role responsible to drive Digital initiatives as a subject matter expert (SME). Initiatives include efficiency improvement, automation of credit processes, scorecard, and analytics. Roles and Responsibilities Manage end-to-end project delivery for auto loans, ensuring timely completion within budget and quality standards. Collaborate with cross-functional teams to gather requirements, develop use cases, and create scorecards for automation implementation. Develop digital initiatives for retail assets, including digitization of processes and systems integration. Provide subject matter expertise on auto loans, retail credit, and vehicle finance to drive business growth through innovative solutions. Ensure effective requirement gathering, analysis, design, development, testing, deployment, maintenance of software applications related to auto loans.

Roles and Responsibilities Manage a team responsible for credit assessment, appraisal, and approval of retail assets (Auto loans, Commercial vehicle loans, Pre-owned car loans) and used car finance. Develop and implement effective credit strategies to minimize defaults and maximize recoveries. Collaborate with cross-functional teams to ensure seamless integration of credit processes into overall business operations. Conduct regular reviews of credit policies, procedures, and guidelines to ensure compliance with regulatory requirements. Analyze market trends, competitor activity, and customer behavior to identify opportunities for growth while managing risk.

Roles and Responsibilities Manage a team responsible for credit assessment, appraisal, and approval of retail assets (Auto loans, Commercial vehicle loans, Pre-owned car loans) and used car finance. Develop and implement effective credit strategies to minimize defaults and maximize recoveries. Collaborate with cross-functional teams to ensure seamless integration of credit processes into overall business operations. Conduct regular reviews of credit policies, procedures, and guidelines to ensure compliance with regulatory requirements. Analyze market trends, competitor activity, and customer behavior to identify opportunities for growth while managing risk.