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19 Job openings at Wogom
About Wogom

Wogom is a digital platform that specializes in enhancing user engagement through innovative technology solutions. Their focus is on providing services that integrate effective communication and interactive features across various industries.

Inside Sales Intern

Not specified

3 - 5 years

INR Not disclosed

Work from Office

Internship

Job Description : The Inside Sales Specialist will be responsible for generating and converting leads into sales through direct outreach channels, including WhatsApp and phone calls. This role involves managing the full sales cycle from lead qualification to closing deals, ensuring revenue growth through proactive communication and sales strategies. Responsibilities : Lead Generation & Outreach : Proactively generate sales leads and engage prospects through WhatsApp, phone calls, and SMS campaigns. Lead Qualification : Qualify inbound and outbound leads based on their needs, interests, and potential for conversion. Sales Conversion : Convert leads into customers by nurturing relationships, addressing pain points, overcoming objections, and negotiating deals. Sales Process Management : Independently manage the full sales cycle, from initial outreach to closing deals, ensuring high conversion rates. Client Engagement : Build rapport with clients through consistent follow-ups, answering queries, and providing personalized solutions. Performance Tracking & Reporting : Maintain accurate records of sales activities and outcomes in the CRM and report on key performance metrics (KPIs). Sales Target Achievement : Meet and exceed individual sales targets by closing a high volume of deals through WhatsApp and phone interactions. Desired Experience : 3-5 years in inside sales, with a proven track record of generating and converting leads into sales via phone calls, WhatsApp, and other direct messaging channels. Strong sales skills, including lead qualification, objection handling, negotiation, and closing. Experience with CRM tools like HubSpot, Salesforce, or similar platforms. Excellent communication and interpersonal skills, with a focus on building relationships and closing deals.

Sr. Sales Executive

Not specified

2 - 3 years

INR 2.0 - 6.0 Lacs P.A.

Work from Office

Full Time

Job description Manage sales through dealer and Distributors Market research & businesses analysis Manage Documentation Conduct Follow ups & Survey 50% office work and 50% Market place Qualifications and Skills: Graduate in any stream, experienced Advance Excel Skills Data Analysis/MIS/ Data scrapping skills Ability to oversee multiple projects at once and good in communication

Sales Executive

Not specified

3 - 5 years

INR 2.0 - 5.0 Lacs P.A.

Work from Office

Full Time

Responsibilities: - Willing to familiarize yourself with the companys vision and mission, seeking to accomplish set goals and objectives. - Conducting market research and identifying potential clients. - Cultivating strong relationships with new clients, while maintaining existing client relationships. - Collating and maintaining client information in the CRM database. - Working closely with staff across departments to implement growth strategies. - Implementing sales strategies, client service and retention plans, and analyzing sales data to inform or update marketing strategies. - Ability to manage multiple projects concurrently and meet deadlines. - Identify new business opportunities and partners. - Demonstrate strong interpersonal skills with the ability to engage effectively with various levels of management, staff, and clients. Requirements: - Bachelors degree in business management, marketing, or related field is preferable. - 2-5 years relevant work experience in Consumer Durable, IT, and Mobile industry preferred. - Excellent written and verbal communication skills. - Ability to handle multiple projects simultaneously and work under pressure. - Strong organization and project management skills. - Friendly and personable demeanor. - Proficient in Microsoft Office and relevant software preferable.

Content Marketing Specialist

Not specified

3 - 5 years

INR 4.0 - 7.0 Lacs P.A.

Work from Office

Full Time

Job Description : The Content Marketing Specialist will be responsible for creating and managing high-quality content that resonates with B2B audiences, driving both visibility and lead generation. Responsibilities : Develop and execute content strategies aligned with business goals. Write blog posts, case studies, whitepapers, and other B2B content. Ensure content is SEO-optimized and aligned with the marketing strategy. Collaborate with cross-functional teams for content distribution. Measure content performance and optimize based on insights. Desired Experience : 3-5 years of content marketing experience in B2B or tech. Strong writing skills with a portfolio of published content. Familiarity with SEO and content management tools (WordPress, HubSpot).

HR Recruiter

Not specified

2 - 7 years

INR 0.12477 - 0.5 Lacs P.A.

Work from Office

Full Time

We are looking for an HR Recruiter with 1.5+ years of experience to join our team. The ideal candidate should possess excellent communication skills, a proactive mindset, and a zeal to learn and grow in the HR domain. Key Responsibilities: Source, screen, and shortlist candidates through various channels (job portals, social media, referrals, etc.) Conduct interviews and coordinate with department heads for candidate selection Manage end-to-end recruitment process, including offer negotiations and onboarding Build and maintain a strong talent pipeline for future hiring needs Handle documentation, maintain candidate databases, and generate reports Assist in employee engagement and other HR functions as required Desired Candidate Profile: Minimum 1.5 years of experience in recruitment (IT/Non-IT preferred) Excellent communication and interpersonal skills Proactive, detail-oriented, and a quick learner Ability to handle multiple tasks and work under tight deadlines Flexibility with working hours to meet business needs Female candidates preferred Immediate joiners preferred

Category Sales Manager

Not specified

3 - 7 years

INR 11.0 - 15.0 Lacs P.A.

Work from Office

Full Time

Job Summary: -As a Category Manager, you will be responsible to manage the Category PL, Brand Range Portfolio Selection, Inventory Vendor management. You will look after the operations metrics of the category drive the same Responsibilities and Skills of a Category Sales Person: 1. Analyze Trends: Study consumer and industry trends for informed decisions. 2. Develop Strategies: Create plans to boost sales and profitability. 3. Negotiate: Secure favorable contracts, terms, and pricing with suppliers. 4. Collaborate: Work with marketing, procurement, and sales for optimal product strategies. 5. Communicate: Demonstrate strong communication, negotiation, and leadership skills. 6. Think Strategically: Apply analytical and strategic thinking. 7. Build Relationships: Foster strong supplier and team relationships. 8. Prioritize Tasks: Handle multiple projects and prioritize effectively. 9. Use Tools: Be proficient in data analysis tools and Microsoft Office.

Administrative Executive

Not specified

1 - 3 years

INR 1.0 - 4.0 Lacs P.A.

Work from Office

Full Time

Job Description: We are looking for a proactive and organized Administrative Assistant to support our team. The ideal candidate will ensure the smooth running of daily operations by handling administrative tasks efficiently and professionally. Key Responsibilities: Expertise in Excel: Utilize advanced Excel features like Pivot Tables, VLOOKUP Welcoming and Assisting Visitors Greet and assist visitors, ensuring a professional and friendly experience. Travel Bookings and Scheduling Meetings Vendor tie-ups for various requirements Arrange travel accommodations, itineraries, and logistics for employees. Ticket bookings for bus/train/flights Visa processing with the help of third-party vendors Coordinate and schedule meetings, ensuring all participants are informed. Venue for meetings Correspondence Management Handle incoming and outgoing correspondence, including emails and phone calls. Ensure timely and accurate responses to inquiries. Office Management, Supplies and Inventory Managing the housekeeping staff to maintain cleanliness and hygiene in the office Managing the office operations in terms of electricity supplies, office decor, etc Order office supplies and manage inventory to maintain sufficient stock levels. Meeting Support Take detailed meeting minutes and distribute them to relevant stakeholders. Document Preparation Prepare presentations, reports, and other documents as required. Qualifications: Proven experience in an administrative or office support role. Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint). Strong written and verbal communication skills. Preferred Skills: Experience with scheduling software or tools. Basic knowledge of office equipment (printers, scanners, etc.). Experience in working in Tally / Accounting Tools and Software

Collection Manager

Not specified

4 - 8 years

INR 5.0 - 8.0 Lacs P.A.

Work from Office

Full Time

An ideal candidate will be responsible for Follow-up with customers for their overdue amounts, while adhering to internal and external guidelines on code of conduct (COC) Responsible for improvement of Late bucket delinquency Meet collections targets on late delinquency through set KPIs Improve recovery rates on write off Portfolio Collection Discipline, Proper receipting, Audit Ratings Daily field visits and follow ups, ensure 100% coverage of field account, escalate problematic cases for further action, ensure feedback for each case is documented at the end of day. Ensure feedback through handoff of previous bucket cases and escalate variance if any. To maintain relationship with customer for the overdue payments. Handle and resolve customer queries effectively To do reconciliation of payments and ensure timely deposit of cash payment in the system. To comply with the process, procedures as always defined and ensure its effective implementation To provide daily feedback to the supervisors and escalate problematic cases and initiation of legal actions where warranted, with the support of Legal team To support the business on data quality management i.e. improving the quality of customer information available through timely feedback

Distributor Service Management

Not specified

1 - 4 years

INR 2.0 - 5.0 Lacs P.A.

Work from Office

Full Time

Job Summary: The Distributor Service Manager will be responsible for managing relationships with distributors, ensuring seamless service delivery, resolving issues, and optimizing distributor engagement within WOGOM s ecosystem. This role is critical in building trust, driving distributor satisfaction, and enhancing operational efficiency. Key Responsibilities: Relationship Management: Act as the primary point of contact for distributors, addressing their queries and concerns. Build and maintain strong, long-term relationships with distributors to foster loyalty and retention. Service Delivery: Monitor and ensure timely order processing, delivery, and issue resolution. Collaborate with internal teams (logistics, operations, and finance) to address distributor-specific challenges. Performance Monitoring: Track distributor performance metrics (sales targets, order frequency, and payment cycles). Share regular performance reports and insights with distributors. Training and Support: Conduct training sessions to educate distributors about the platform s features, policies, and processes. Provide ongoing support to ensure optimal utilization of the platform. Issue Resolution: Handle complaints and escalations effectively and promptly. Analyze recurring issues to identify and implement preventive measures. Process Optimization: Identify opportunities to improve distributor-related processes and service quality. Work closely with the tech team to suggest platform enhancements based on distributor feedback. Market Insights: Gather feedback from distributors to understand market trends and competition. Share insights with the product and business development teams to align strategies. Key Qualifications: Bachelor s degree in Business Administration, Supply Chain Management, or a related field. Proven experience in distributor management, customer service, or sales in a B2B e-commerce or similar domain. Strong interpersonal and communication skills with a customer-centric approach. Analytical mindset with the ability to use data for decision-making. Ability to multitask, prioritize, and manage time effectively. Key Skills: Relationship Building Problem Solving Data Analysis Process Improvement Negotiation and Conflict Resolution Additional Information: Travel may be required for distributor visits and market assessments.

Compliance Manager (Lending Business)

Not specified

4 - 8 years

INR 10.0 - 14.0 Lacs P.A.

Work from Office

Full Time

Compliance Manager (Lending Business) Job Overview: The Compliance Manager in a lending business in India is responsible for overseeing and ensuring that the companys lending activities comply with all applicable Indian laws, regulations, and internal policies. This role involves implementing and managing compliance programs, conducting risk assessments, ensuring adherence to financial regulations, and liaising with regulatory bodies such as the Reserve Bank of India (RBI), and other relevant authorities. The Compliance Manager ensures that the organization adheres to legal standards while mitigating regulatory risks in the lending business. Key Responsibilities: Regulatory Compliance Monitoring: Regulatory Adherence: Ensure that the organization s lending practices comply with all applicable Indian regulations, including guidelines issued by the Reserve Bank of India (RBI), Fair Practices Code, Prevention of Money Laundering Act (PMLA), KFS and Consumer Protection Act. Regulatory Updates: Stay updated with changes in regulations affecting the lending business in India, including any updates from RBI, or other regulatory bodies, and ensure timely implementation of necessary adjustments in the company s processes. Policy Development Implementation: Internal Policies: Develop, implement, and continuously update internal compliance policies and procedures in line with legal requirements and best practices. This includes ensuring the company adheres to the RBIs Fair Practices Code, internal lending policies, and other regulatory guidelines. Policy Training: Conduct training sessions for staff on internal policies, compliance obligations, and new regulatory developments to ensure proper understanding and adherence. Risk Management: Risk Identification: Identify potential compliance risks within the lending operations, including loan origination, disbursement, recovery, and collections. Conduct risk assessments and propose strategies to mitigate these risks. Internal Audits: Oversee and conduct regular internal audits of lending activities, ensuring that compliance is maintained across all stages of the loan lifecycle, from application to recovery. Regulatory Reporting Filing: Timely Reporting: Ensure compliance with mandatory regulatory reporting requirements. This includes filing periodic reports with RBI, SEBI, and other authorities, such as NPA (Non-Performing Assets) reporting, Annual Compliance Reports, KYC (Know Your Customer) guidelines, and AML (Anti-Money Laundering) obligations. Statutory Filings: Ensure timely submission of all statutory filings to RBI and other relevant regulators and maintain all required records in accordance with regulatory norms. Compliance Investigations Issue Resolution: Compliance Monitoring: Conduct regular reviews to identify instances of non-compliance and provide guidance on corrective actions. Investigate any alleged violations of company policies or regulatory requirements, including fraud, money laundering, or violation of KYC norms. Remedial Actions: Implement corrective actions in response to compliance issues or breaches, collaborating with legal and management teams as necessary to resolve complex issues. Third-Party Vendor Compliance: Vendor Oversight: Ensure third-party service providers, such as credit bureaus, loan servicing companies, and collection agencies, comply with all applicable regulations and internal compliance requirements. Conduct periodic assessments and reviews of third-party vendors. Compliance Reporting Advisory: Management Reporting: Prepare regular reports for senior management, detailing the status of compliance, key risk areas, regulatory changes, and corrective actions taken. Provide advisory on compliance-related matters to senior leadership and stakeholders. Regulatory Liaison: Serve as the primary point of contact for regulatory authorities, addressing any inquiries or issues raised by regulators, such as RBI, or other government bodies. Qualifications: Education: A Bachelor s degree in law, finance, business administration, or a related field is required. A Master s degree or professional certification in compliance (e.g., Certified Regulatory Compliance Manager (CRCM), Certified Compliance and Ethics Professional (CCEP)) is a plus. Experience: Minimum of 5 years of experience in compliance or risk management, preferably in the financial services, banking, or lending industry in India. In-depth knowledge of Indian regulatory frameworks, including RBI regulations, PMLA, Fair Practices Code, and consumer protection laws. Familiarity with compliance and regulatory reporting systems used in the financial sector in India. Skills Abilities: Strong knowledge of Indian financial regulations, especially in the lending space (personal loans, home loans, MSME loans, etc.). Ability to analyze complex regulations and translate them into actionable internal policies. Excellent verbal and written communication skills for interacting with regulatory authorities, senior management, and other stakeholders. Strong problem-solving skills and the ability to manage multiple compliance issues simultaneously. Proficiency in compliance software, regulatory reporting tools, and Microsoft Office. Ability to lead, train, and collaborate with various teams within the organization. Certifications (Preferred): Certified Regulatory Compliance Manager (CRCM) Certified Compliance and Ethics Professional (CCEP) Other relevant certifications in Indian financial regulations or lending business practices.

Network & System Administrator (Budget - Upto 15K)

Not specified

2 - 5 years

INR 4.0 - 8.0 Lacs P.A.

Work from Office

Full Time

Key Responsibilities: Configure, install, and troubleshoot networking hardware including routers, switches, and firewalls. Manage and configure network devices, VPNs and wireless networks. Support network security and monitor network performance. Troubleshoot hardware and network issues across multiple systems. Assist in firmware/BIOS updates and hardware security management. Perform DNS, DHCP, and IP addressing management. Configure and manage RAID setups and backup/recovery processes. Handle user requests, maintaining detailed documentation of troubleshooting steps and resolutions. Ensure proper configuration of LAN/WAN and Data Center networks. Install and maintain CCTV systems and provide support for Office 365. Manage Tally and Windows Servers, LAN Cabling Firewall, cloud antivirus and data recovery Network bridge and switch, network design Manage Godaddy and EPBX Skills and Qualifications: Strong knowledge of TCP/IP networking, routing, and switching. Experience with network protocols (TCP, UDP, DNS, DHCP, HTTP/S, FTP, SNMP). Hands-on experience with routers, switches and VPN setup. Proficient in troubleshooting network issues and providing advanced support. Familiarity with ticketing tools like ServiceNow, Jira, and incident management processes. Knowledge of network security practices, firewall configuration, and wireless networking. Excellent verbal and written communication skills. Experience with CCTV installation, Office 365, and data backup/recovery systems.

Lending Manager

Not specified

5 - 8 years

INR 9.0 - 13.0 Lacs P.A.

Work from Office

Full Time

LENDING MANAGER FULL TIME | AHMEDABAD | 5-8 YEARS JOB DESCRIPTION Roles Responsibilities: Managing relationships with banks/NBFCs that are in Co-lending partnership with the company Preparing proposals and acting as a single point of contact to lenders from initial fundraising till repayment of loans Responsible for business volumes with various partners and ensuring scale-up partnerships. Business development and onboarding new partners, aligning the lender on process flow, KYC documentation, and product integration in the system. Liaising with lending partners ensuring smooth flow of operations. Driving integration on various aspects of the strategic partnership across credit, operations, risk management, technology, and product. Develop and maintain reporting application systems and coordinate information exchange with partner lenders Ensuring all tasks, deliverables, and documentation are created with the highest level of accuracy. Assisting in developing business processes to ensure operational efficiency and profitability. Achieved monthly targets for allotted partners as assigned by the organization through business loans. Qualifications Skillset: Bachelor s or Master s degree in Finance or any relevant qualification Skilled in financial planning, MIS, Dashboard, Excel, Power BI, cash flow management Flexible and effective administrator with the ability to manage wide roles and responsibilities

Portfolio Manager - Pre & Post Sanction

Not specified

3 - 6 years

INR 7.0 - 11.0 Lacs P.A.

Work from Office

Full Time

Pre and Post Sanction Credit Analyst (Operations) Job Overview: The Pre and Post Sanction Credit Analyst is responsible for managing both the pre-approval and post-approval stages of the credit process. This role involves conducting thorough credit analysis, evaluating risk factors, ensuring compliance, and monitoring the credit lifecycle from application to post-sanction monitoring. The analyst plays a critical role in supporting the company s lending decisions by assessing the financial viability and risk of potential borrowers, as well as ensuring adherence to credit policies and regulatory standards after credit has been approved. Key Responsibilities: Pre-Sanction Responsibilities: Credit Assessment: Review and analyze loan or credit applications to evaluate the creditworthiness of potential borrowers. This includes scrutinizing financial statements, credit reports, business plans (for commercial clients), and other relevant documentation. Due Diligence: Perform thorough due diligence by verifying applicant information, including employment verification, property appraisals (for mortgages), secured and unsecured lending and the authenticity of financial documents. Conduct PD (CPV) report Decision Support: Provide recommendations to management and the credit committee based on a detailed risk analysis, ensuring that credit decisions align with company policies and regulatory requirements. Post-Sanction Responsibilities: Loan Documentation: Ensure that all necessary documentation (loan agreements, security documents, etc.) is collected, reviewed, and accurately processed before disbursement. Risk Management: Continuously assess post-sanction risks and proactively address any issues related to payment delays, defaults, or any other concerns that may affect the loan s performance. Portfolio Review: Conduct periodic reviews of the credit portfolio to identify any emerging risks, changes in borrower circumstances, or industry shifts that may affect the creditworthiness of borrowers. Restructuring Modifications: In cases of financial distress or non-compliance, assess the need for loan restructuring, and propose modifications to the loan agreement in consultation with relevant departments. Client Relations: Maintain regular communication with clients after the loan is sanctioned to ensure that they are informed of any changes or issues. Address borrower queries related to repayment or credit terms. Collections Support: In the event of defaults or delinquencies, work with collections teams to support recovery efforts, while ensuring that collection practices comply with internal policies and legal requirements. Qualifications: Education: A Bachelor s degree in finance, accounting, economics, or a related field. A master s degree or professional certification (e.g., CFA, FRM) is a plus. Experience: Minimum of 3 years of experience in credit analysis, risk management, or a similar role. Prior experience in pre and post-sanction credit management, banking, or financial institutions is preferred. Skills Abilities: Strong analytical and problem-solving skills. Ability to assess credit risk and determine appropriate terms and conditions. Knowledge of financial statements, credit reports, and financial modeling. Familiarity with credit underwriting processes and loan structures. Proficiency in credit analysis tools, financial software, and Microsoft Office Suite. Strong attention to detail and accuracy in processing and analyzing credit information. Effective communication skills for both client interaction and internal reporting. Ability to manage multiple tasks and prioritize effectively in a fast-paced environment. Strong understanding of regulatory requirements and lending practices. Certifications (Optional): Certifications such as Chartered Financial Analyst (CFA), Certified Credit Professional (CCP), or similar may be beneficial.

Brand Design Specialist

Not specified

2 - 5 years

INR 7.0 - 11.0 Lacs P.A.

Work from Office

Full Time

Role Overview: As a Brand Design Specialist , you will work on crafting brand identities and creating cohesive visual designs for consumer electronics and e-commerce brands. Responsibilities: Develop brand assets like logos, packaging, and brand guidelines. Create visual content for campaigns, product launches, and brand activations. Collaborate with teams to ensure brand consistency across all touchpoints. Assist in designing assets for both online (e-commerce) and offline retail environments. Skills Qualifications: Proficiency in Adobe Creative Suite (Photoshop, Illustrator, InDesign). Strong portfolio showcasing brand identity projects. Creative thinker with attention to detail. Understanding of branding principles and how they apply to various media.

Marketing Automation and Analytics Specialist

Not specified

4 - 7 years

INR 10.0 - 14.0 Lacs P.A.

Work from Office

Full Time

Job Description : This individual will manage marketing automation platforms, streamline lead nurturing processes, and analyze campaign data to optimize performance and improve marketing ROI. Responsibilities : Implement and manage marketing automation tools (ConvertKit or similar). Design lead nurturing workflows and campaigns to convert prospects into customers. Track and analyze campaign performance, providing insights to optimize efforts. Manage audience segmentation and personalize marketing initiatives. Report on key metrics and recommend improvements for better results. Desired Experience : 4-7 years of experience in marketing automation and analytics. Proficiency with HubSpot, Salesforce, Google Analytics, and other automation platforms. Strong analytical and reporting skills.

Social Media Marketing Specialist

Not specified

3 - 5 years

INR 3.0 - 7.0 Lacs P.A.

Work from Office

Full Time

Job Description : The Social Media Marketing Specialist will be responsible for managing and growing WOGOM s presence across social media platforms, including LinkedIn, Twitter, and others, to drive engagement, brand awareness, and lead generation. This role will focus on creating and executing social media strategies tailored to B2B marketing, ensuring that social media channels contribute to the company s overall marketing objectives. Responsibilities : Brand Visibility : Enhance brand visibility and positioning in the B2B electronics marketplace through strategic social media marketing. Social Media Strategy : Develop and execute social media strategies tailored to B2B audiences across platforms such as LinkedIn, Twitter, and more. Content Creation : Create engaging and informative posts, articles, and videos that align with the company s brand, ensuring consistent messaging across platforms. Community Engagement : Manage community interactions, engage with followers, respond to inquiries, and build strong relationships with potential clients and industry influencers. Lead Generation : Leverage social media platforms to generate leads, drive traffic to the website, and contribute to the sales funnel. Analytics Reporting : Use social media analytics tools to track performance, measure engagement, and optimize campaigns for better results. Desired Experience : 3-5 years of experience in social media marketing, preferably in B2B or tech industries. Proficiency with social media management and analytics tools (e.g., Hootsuite, Buffer, Zoho Social etc.). Excellent written and verbal communication skills, with the ability to create compelling content for a B2B audience.

Telecaller / Customer Support Executive

Not specified

0 - 2 years

INR 2.0 - 4.0 Lacs P.A.

Work from Office

Full Time

Job Summary: As a Telecaller / Customer Support Executive, you will be the first point of contact to handle payment-related inquiries and follow-ups with customers. Key Responsibilities: Verify outstanding amounts. Confirm payment schedules and timelines. Provide details on payment methods and resolve any related queries. Maintain accurate records of calls and customer interactions. Skills: Good communication (Hindi, English and Marathi added advantage) and interpersonal skills. Basic understanding of payment processes. Ability to manage records and follow up effectively. What We Offer: Competitive salary and performance-based bonuses. Comprehensive benefits package, including health, dental, and retirement plans. Opportunities for professional growth and development. A supportive and collaborative work environment.

Underwriter / Credit Appraiser

Not specified

3 - 4 years

INR 5.0 - 6.0 Lacs P.A.

Work from Office

Full Time

Job Overview: The Credit Appraiser is responsible for evaluating the creditworthiness of individuals, businesses, or other entities seeking loans, credit, or financial services. The role involves analyzing financial documents, assessing risk factors, and making informed decisions about whether to approve or deny credit applications. The Credit Appraiser ensures that the organization s credit policies and risk management strategies are followed, while balancing the need to extend credit with the need to minimize potential defaults. Key Responsibilities: Credit Risk Assessment: Review and assess credit applications from individuals, businesses, or other entities. Analyze financial statements, credit reports, and other relevant documentation to determine the applicants ability to repay the loan or credit. Data Analysis & Reporting: Conduct detailed analysis of financial data, including income statements, balance sheets, cash flow, and tax returns, to assess the applicants financial health and stability. Prepare comprehensive credit reports and recommend approval, denial, or modification of credit terms. Decision-Making: Make informed decisions regarding the approval or rejection of credit applications based on risk evaluation, credit policies, and industry best practices. Recommend appropriate credit limits, interest rates, and repayment terms. Credit Scoring & Tools: Use credit scoring models, risk assessment tools, and other software to evaluate applicants. Stay updated on credit scoring methods and financial products to ensure accurate and effective decision-making. Risk Mitigation: Identify and mitigate potential risks associated with extending credit by considering factors such as economic conditions, industry trends, and the applicants credit history. Suggest alternative credit structures if necessary (e.g., secured loans, higher interest rates). Compliance & Regulations: Ensure adherence to all applicable laws, regulations, and internal policies regarding credit appraisal and lending practices. Maintain up-to-date knowledge of relevant laws, such as the Fair Lending Act and data protection regulations. Communication: Communicate credit decisions clearly and professionally to clients, brokers, and relevant internal departments. Request additional documentation when necessary and provide explanations regarding credit decisions. Qualifications: Education: A Bachelor s degree in finance, accounting, business, economics, or a related field is typically required. Advanced degrees or certifications in credit analysis or financial risk management are a plus. Experience: At least 3 years of experience in credit appraisal, credit analysis, or a related field, preferably in [specific sector such as banking, commercial lending, or consumer finance]. Skills & Abilities: Strong analytical skills and ability to interpret financial statements. Familiarity with credit scoring systems and risk assessment models. Knowledge of lending regulations and compliance requirements. Proficiency in credit appraisal software and financial tools. Strong attention to detail and accuracy in financial analysis. Effective communication skills, both written and verbal. Ability to work under pressure and make decisions in a timely manner. Good problem-solving skills and ability to identify risks and opportunities. Certifications (Optional): Certification such as Chartered Financial Analyst (CFA), Certified Credit Professional (CCP), or similar may be beneficial.

Visual Brand Designer

Not specified

0 - 0 years

INR Not disclosed

Work from Office

Internship

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Wogom

Wogom

Technology/Software Development

Tech City

50-100 Employees

19 Jobs

    Key People

  • John Doe

    CEO
  • Jane Smith

    CTO
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