Role & responsibilities: 1. Credit Appraisal & Underwriting Assess and underwrite home loan proposals in line with the companys credit policy and guidelines. Analyze borrowers financial statements, repayment capacity, property documents, and creditworthiness. Evaluate risks and approve cases within delegated authority or recommend to higher authorities as per the credit policy. 2. Policy Implementation & Compliance Ensure strict adherence to credit policy, regulatory norms (RBI/HFC guidelines), and internal audit requirements. Monitor and update team members on policy changes and ensure policy compliance in all credit activities. 3. Team Management & Training Lead, train, and mentor a team of credit officers/executives across multiple branches. Conduct regular training sessions to upgrade credit underwriting and risk assessment skills of the team. 4. Portfolio Quality & Risk Management Monitor the performance of the credit portfolio in the assigned area – track delinquency, bounce rate, NPA levels, etc. Take corrective actions to minimize credit losses and ensure portfolio health. Collaborate with collections and recovery teams for resolution of stressed assets. 5. Coordination with Stakeholders Work closely with Sales, Operations, Technical, Legal, and Risk teams to ensure smooth and timely loan processing. Resolve branch-level escalations, provide support in complex credit decisions. 6. MIS & Reporting Maintain and update credit MIS, approval logs, and portfolio tracking dashboards. Share periodic reports with regional/zonal heads highlighting credit performance, risks, and improvement areas. 7. Market Intelligence Stay informed about local market trends, competitor offerings, and real estate dynamics. Provide feedback to policy and product teams for better risk-based pricing and product structuring.
Designation - Business Analyst Location - Hyderabad / Bangalore/ Mumbai Product handled - Construction Finance / Real Estate Qualification - Qualified CA Role & responsibilities 1. Credit Analysis Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 2. Note Preparation Preparing Credit Assessment Memo for transactions Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management. Issuance of sanction Letter to the customer as per the note prepared and sign-off provided. Initiate framework for Post disbursement monitoring activties Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 3. Case Documentation Prepare and execute Pre & Post transaction documentation Co-ordinate with customer for information and documentation from login to post disbursement Carrying out Post disbursement monitoring activties Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures Carrying out post closure formalities 4 Quality Compliance Processing of Escrow fund transfers on daily basis Processing of NOC requests on daily basis Collection, evaluation and follow up with internal / external environment for following activities:
Designation - Credit Manager Location - Aurangabad Preferred CA candidates EXPERIENCE IN MORTGAGE/ LAP/ HOME LOANS IS IMPORTANT. Role & responsibilities To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision at the Regional / National / Credit Committee levels. To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer. To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance. To submit Credit Appraisal Memo to the Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision. Ensuring no loss of revenue by issuing proper sanction letter as per approvals are being issued, capturing the right deviation while assessing the case To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans. Ensuring proper mortgage is created in favour of organization. Ensuring the underlying security mortgaged is marketable and having a clear title. To monitor the existing portfolios based on designed formats and parameters To adhere to compliance policies in proposal evaluation To ensure compliance with robust documentation mechanism To prepare regular MIS for areas under risk management and give presentation to various stakeholders
Designation - Cluster Sales Head Location - Bangalore and Ahmedabad Product - Construction Finance/ Real Estate Qualification - CA Roles and Responsibilities: To periodically review targets with sales team to ensure that budgeted targets are met for sales volumes, yields, cross selling etc. To maximize profitability by driving higher spread achievement & effective cost management. Actively involving at transactional level with customers as well as internal stakeholders. Regularly visiting/exploring new avenues of sourcing fresh business. Accompanying the RM/BDM on customer calls with intent of providing structured and tailorment solutions To undertake retention initiatives by promoting performance linked incentive structures & policies. To ensure that periodic functional & behavioral trainings are imparted to all team members, in conjunction with the HR department. To work with the Central Risk teams to identify risk areas and build processes to mitigate risk, including performance metrics and documented procedures. To ensure acceptable asset quality of loans is maintained at all times and there are minimal NPAs; to track the delinquencies very closely. Portfolio Management, Retention of existing clients, Repeat Business from existing clients and Monitoring and collection, Resolving audit queries.
Designation - Credit Manager Location - Chennai Product handled - Working capital, Equipment & Machinery Finance Role & responsibilities Loan Application Review : Analyse and verify loan applications and supporting documents. Risk Assessment : Conduct thorough risk assessments and credit analyses to determine the borrowers ability to repay. Compliance : Ensure all loan applications comply with regulatory standards and company policies. Decision Making : Make loan approval or denial decisions based on risk assessment and company guidelines. Documentation : Prepare detailed reports on assessment findings and document reasons for loan approval or denial and also maintaining paper documents as per company rules. Communication : Interact with loan managers (Sales) and clients to obtain additional information or clarification as needed. Market Knowledge : Stay updated on industry and market trends and changes in regulations affecting loan underwriting. Qualifications: Education : Bachelors degree in finance, Preferably CA or MBA finance from a reputed college Experience : 3-5years of experience in loan underwriting, preferably with high-ticket loans(working capital, Equipment & Machinery Finance) Skills : Strong analytical and problem-solving skills. Excellent communication and decision-making abilities. Proficiency in underwriting software and financial tools.
Designation - Business Analyst Location - Bangalore/ Mumbai Product handled - Construction Finance / Real Estate Qualification - Qualified CA Role & responsibilities 1. Credit Analysis Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 2. Note Preparation Preparing Credit Assessment Memo for transactions Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management. Issuance of sanction Letter to the customer as per the note prepared and sign-off provided. Initiate framework for Post disbursement monitoring activties Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 3. Case Documentation Prepare and execute Pre & Post transaction documentation Co-ordinate with customer for information and documentation from login to post disbursement Carrying out Post disbursement monitoring activties Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures Carrying out post closure formalities 4 Quality Compliance Processing of Escrow fund transfers on daily basis Processing of NOC requests on daily basis Collection, evaluation and follow up with internal / external environment for following activities:
We are hiring for a renowned NBFC. Position - Business Development Manager Construction Finance Department - Construction Finance Locations - Chennai/ Bangalore/ Hyderabad/ Mumbai/ Ahmedabad/ Nagpur Role & responsibilities Implement the sales plan through Incremental Book for the Construction Finance division, building relationships with developers and identifying areas of opportunity. Drive on-ground sales to achieve the desired Incremental Book for the construction finance division by building strong relationships with developers. Enhance CF portfolio by driving deal sourcing which is in line with guidelines laid down. Identify new customers to achieve horizontal growth by increasing customer base. Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel. Enhance CF portfolio by driving deal sourcing which is in line with guidelines laid down for acquisition of new customers and build long term relationships. Gain a thorough understanding of a new customer needs and requirements Structure customized deals as per internal parameters and suit customer requirements Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project
Designation - Credit Monitoring Location - Noida Product - Construction Finance CA prefered Roles & Responsibilities: Assess and conduct detailed credit analysis and evaluation of INSTI lending proposals as part of the lending approval process Scrutinize credit proposals by analyzing the project plan and progress, client creditworthiness, business strength, market credibility, financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance, and adherence to other internal credit norms • Perform direct and thorough investigations and obtain relevant credit information through personal interactions with developers as and when needed Interact with the Legal and Technical agencies to ensure that property and project risks have been understood and mitigated Ensure that each proposal complies with credit policies as well as all internal and external norms of lending Submit a credit appraisal memo to the Team Lead INSTI for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision Monitor the performance of the Insti portfolio analyzing changes in fundamentals, ratings, deviations in covenants for deviations and project progress and status on a continuous basis Monitor overdue positions and initiate appropriate steps to support the recovery process for the same.
Designation - Business Analyst Location - Bangalore/ Mumbai Product handled - Construction Finance / Real Estate Qualification - Qualified CA / MBA Finance Role & responsibilities 1. Credit Analysis Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 2. Note Preparation Preparing Credit Assessment Memo for transactions Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management. Issuance of sanction Letter to the customer as per the note prepared and sign-off provided. Initiate framework for Post disbursement monitoring activities Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 3. Case Documentation Prepare and execute Pre & Post transaction documentation Co-ordinate with customer for information and documentation from login to post disbursement Carrying out Post disbursement monitoring activities Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures Carrying out post closure formalities 4 Quality Compliance Processing of Escrow fund transfers on daily basis Processing of NOC requests on daily basis Collection, evaluation and follow up with internal / external environment for following activities:
We are hiring for a renowned NBFC. Position - Business Development Manager Construction Finance Department - Construction Finance Locations - Mumbai/ Ahmedabad/ Nagpur / Jaipur/Goa Role & responsibilities Implement the sales plan through Incremental Book for the Construction Finance division, building relationships with developers and identifying areas of opportunity. Drive on-ground sales to achieve the desired Incremental Book for the construction finance division by building strong relationships with developers. Enhance CF portfolio by driving deal sourcing which is in line with guidelines laid down. Identify new customers to achieve horizontal growth by increasing customer base. Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel. Enhance CF portfolio by driving deal sourcing which is in line with guidelines laid down for acquisition of new customers and build long term relationships. Gain a thorough understanding of a new customer needs and requirements Structure customized deals as per internal parameters and suit customer requirements Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project
Position: Lead Centralized Branch Operations and Service Location - Prabhadevi, Mumbai Job Context: Seamless Disbursement and Service Process Better TAT Standardization of Disbursement and Service Process Better Control of the Process Reduce Manual Intervention in the Disbursement Process Manage relevant vendors Liaise with stakeholders (Business / Credit / Branch Operations) Review Branch Disbursal centralisation opportunities. Role & responsibilities: Processing of tranche disbursals Central management of Agreements Reconciliation of Stamp Papers Management of branch cheque inventory Authorization of Disbursement and Initiation of Payment Review Branch Disbursal centralisation opportunities.
We are hiring for a renowned NBFC. Position - Business Development Manager Department - SME Locations - Hyderabad Role & responsibilities Implement the sales plan through Incremental Book for the Construction Finance division, building relationships with developers and identifying areas of opportunity. Drive on-ground sales to achieve the desired Incremental Book for the construction finance division by building strong relationships with developers. Enhance CF portfolio by driving deal sourcing which is in line with guidelines laid down. Identify new customers to achieve horizontal growth by increasing customer base. Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel. Enhance CF portfolio by driving deal sourcing which is in line with guidelines laid down for acquisition of new customers and build long term relationships. Gain a thorough understanding of a new customer needs and requirements Structure customized deals as per internal parameters and suit customer requirements Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project
Job Title: Cluster Sales Head SME LAP (Loan Against Property) Company: NBFC Location: Mumbai, Ahmedabad ( No relocation Candidates) Function: Sales SME, Construction Finance Department: SME Experience: 7-12 years (SME Lending / LAP / Mortgage Sales) Designation: Cluster Sales Head Job Description / Responsibilities: Lead and grow the SME Wholesale / Structured Lending business within the assigned cluster. Develop strategies to acquire new clients and channel partners, drive loan-book growth, and profitability. Manage, mentor, and retain a high-performing sales team including Area Sales Heads and Relationship Managers. Build and maintain strong relationships with SMEs, construction businesses, real estate developers, corporates, and key partners. Oversee credit appraisal, due diligence, loan proposal preparation, and risk assessment for wholesale / structured lending clients. Ensure compliance with internal policies, RBI/NBFC regulations, and maintain portfolio quality. Own the P&L for the cluster, manage revenue, cost, and profitability. Conduct training and knowledge-sharing sessions to strengthen team capabilities. Locations: Ahmedabad, Mumbai (Lower Parel) How to Apply: Interested candidates can apply via Naukri or email their updated CV to recruit@transace.in.
Job Description We are hiring an experienced Area Credit Manager Loan Against Property (LAP) for a leading Housing Finance Company in Pune. The role involves end-to-end credit appraisal, underwriting, and portfolio management for secured lending products (LAP / Mortgage / Property Loans). Key Responsibilities: Assess loan proposals for LAP customers (self-employed & salaried). Conduct detailed credit & risk assessment, cash flow analysis, and collateral evaluation. Liaise with legal & technical vendors for property evaluation. Approve cases within delegated authority; escalate as required. Monitor portfolio performance, delinquency, and ensure compliance. Work closely with Sales/Business teams for structured deals and timely disbursements. 4. Candidate Requirements Education: CA preferred. Experience: 1-5 years in LAP / Mortgage / Secured Lending in Banks, NBFCs, or HFCs. Strong analytical & decision-making skills. Exposure to Pune real estate market will be an added advantage. Interested candidate can share your CV on recruit@transace.in