37 Credit Manager Jobs

As a Credit Manager specializing in Secured Business Loans at B Square in Rajahmundry, you will be responsible for assessing and managing credit applications for business loans. Your primary role will involve evaluating the creditworthiness of applicants, analyzing financial data, and determining the risk associated with each application. You will play a key role in making recommendations on loan approvals, ensuring compliance with internal policies and regulatory requirements. Additionally, you will be expected to conduct thorough background checks, review collateral documentation, and communicate effectively with internal teams and customers to facilitate the loan approval process. The ideal candidate for this position should have a strong background in credit analysis, risk assessment, and financial statement analysis. You should possess excellent communication skills, attention to detail, and the ability to work effectively in a fast-paced environment. A deep understanding of secured business loans and relevant lending practices is essential for success in this role. If you are a motivated individual with a passion for credit management and a desire to contribute to the growth of a dynamic financial institution, we encourage you to apply for the Credit Manager position at B Square in Rajahmundry.,

Role & responsibilities Credit Manager-Rural Credit-Business Banking Underwriting Function/ Department: Business Banking Underwriting Job Purpose: To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit. Maintain the service level deliverables agreed with counter parts. Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Bankss risk appetite Roles & Responsibilities: Appraisal of proposals: Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities. To convey a clear opinion/ Highlight Critical risk along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk. Awareness of the product proposed suitability to client requirement Conduct personal discussion with customers. Portfolio Monitoring: Timely Renewal Deferral Management EWS Management Customer visits on key customers and high value relationship Maintaining the defined credit and end to end TATs to timely service internal as well as external customers. Secondary Responsibilities: Co-ordination with Counter parts in Business, Operations, Legal, Technical and others as required. Ensure all MIS related to credit are submitted within defined timeliness. Area Knowledge Education Qualification: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate.

Fair Finance is looking for CREDIT MANAGER to join our dynamic team and embark on a rewarding career journey. Credit Analysis : Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity. Risk Assessment : Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms. Credit Policy : Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations. Credit Underwriting : Approving or declining credit applications based on the risk assessment and established criteria. Credit Monitoring : Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults. Debt Recovery : Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts. Customer Relationship Management : Building and maintaining relationships with customers or clients to understand their credit needs and address any credit - related concerns. Credit Reporting : Reporting on credit - related metrics and performance to senior management or relevant stakeholders. Collateral Management : Evaluating and managing collateral provided by borrowers to secure credit facilities.

Roles and Responsibilities Manage a portfolio of Home Loan/LAP/Micro Business Loans, ensuring timely recovery and minimizing defaults. Conduct thorough credit assessments, appraisals, and underwriting for new loan applications. Develop and maintain relationships with existing customers to identify cross-sell opportunities and improve customer satisfaction. Collaborate with internal teams to resolve issues related to loan processing, documentation, and disbursement. Analyze market trends and competitor activity to stay updated on industry developments. Desired Candidate Profile 8-10 years of experience in Portfolio Credit Management (Home Loan/LAP/Micro Business Loan). Strong understanding of credit underwriting principles, policies, and regulations. Excellent communication skills for effective customer interaction and relationship-building. Ability to analyze complex financial data to make informed lending decisions. Interested candidate can directly mail us their Resume on rajeshwari.bamane@aubank.in

Ascend Capital is a young FinTech NBFC founded by IIT Madras and IIM Calcutta alumni, rapidly growing and disrupting the Electric Vehicle (EV) and Fintech domains. Ascend is dedicated to building India's EV ecosystem for a sustainable and greener future. Passionate about technology and innovation, we are focused on developing solutions to cater to over 1 million+ customer visits daily. If you are eager to tackle large-scale challenges in the EV industry and drive real impact, Ascend is the ideal place for you. We are currently looking for an experienced Credit Manager (Retail EV Finance) with a minimum of 3 years of experience in Banking/NBFC(s) preferably within the Vehicles finance segment. As a Credit Manager, you will be responsible for: - Conducting credit checks and appraisals for EV loan applicants. - Assessing credit reports, evaluating risks, and approving deviations. - Managing loan sanctioning and disbursement processes. - Ensuring compliance with company credit policies and regulatory guidelines. In addition, your responsibilities will include: - Performing credit assessments for new dealer code approvals. - Analyzing monthly dealer performance reports from a credit perspective. - Monitoring and adjusting dealer-level loan products and credit limits as necessary. You will also be leading a team of 20 individuals responsible for credit report checks, customer tele PD, field inspection report checks, loan backend operations, and related tasks. Qualifications & Skills Required: - Minimum 3 years of experience in credit underwriting, loan processing, or dealer financing. - Strong knowledge of EV loan products, auto financing, and risk assessment. - Proficiency in financial analysis, credit evaluation tools, and regulatory compliance. - Ability to effectively interact with dealers, OEMs, and internal stakeholders. - Strong analytical, decision-making, and team management skills. This position is based in Jaipur. If you are a detail-oriented Credit Manager with a background in vehicle financing and B2B credit assessment, we welcome you to join our dynamic team at Ascend Capital.,

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPA’s(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

3.6 Area Credit Manager Business Vertical: Housing Line of Business: Credit Department: Credit Line Manager: Regional Credit Manager Designation: Area Credit Manager Grade: M4/M5 On the rolls of: TCHFL Location: No. of Positions: Job Dimensions Responsible for handling team: Yes Roles reporting into this role(Direct/Indirect): Contact or Interaction with: 1) Customers 2) Internal sales teams 3)Channel Partners 4) Builders Travel Required: Yes Position Type: Full time Process Owner: 1) Credit • • Credit Manager Credit Officer Job Purpose To underwrite mortgage business and manage the portfolio in assigned area • Responsibilities Core Responsibilities: o Support and co-partner with business teams to manage end to end credit approval for the designated region o Underwrite salaried SENP/SEP for retail and high value cases and present to senior level o Authorize deviations raised and documented by underwriters in compliance with credit policy. o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests. o Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level. o Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. o Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. o Co-ordinate with the recoveries team and generate business insights. o Lead a team of credit approvers to ensure portfolio quality and delinquencies. o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB o Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Interdependencies Functional Competencies Competency Beginner Intermediate Advance Expert Retail Credit Strategy & Policy Retail Credit Underwriting Retail Credit Systems and Process Retail Credit Monitoring & Portfolio Management Retail Credit Team and Vendor Management Job Qualifications Graduate : Yes Desired Experience: Minimum 6 to 8 years in the field. Other desired attributes: Masters/Postgraduate: Yes Certifications: CA Others : Back to Index TCHFL JD Booklet FY 2018-19 || 23

Role & responsibilities Evaluating the financial performance of dealers through analysis of dealers performance vis a vis industry performance and financials statement analysis using financial ratios. Preparation of Credit Proposal Note and Credit Recommendation of Inventory Funding limit and Term loans for new dealers as well as existing dealers, Determining the key credit risks and mitigating factors while evaluating the proposal. Conducting Due Diligence Review for appointment of new dealers PAN India. Monitoring of limit by way of Overdue Tracking, Stock Audit monitoring and other related MIS. Preparation and maintenance of Master Database and various MIS. Regular follow up on overdue cases and highlighting concern dealer accounts having low retails, irregularity in repayments etc. Interaction with dealers and sales manager for proposal evaluation. Preferred candidate profile CA fresher in wholesale credit team

Responsibilities- Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc. Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis. Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants. Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc. Benchmark borrowers financial performance across competitors and industry benchmarks. Secondary research to gather additional information about the background of management and the borrower. Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: Keen interest towards tech driven new age/ alternate data-based credit decision process. Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. Critical thinker with strong decision-making ability, excellent written and verbal communication. Demonstrated capabilities towards multiple stakeholder management. Knowledge of drafting curated sanction letters and loan agreements will be an added advantage.

Key Responsibilities: Conduct credit appraisal and underwriting of loan proposals Ensure compliance with internal credit policies and regulatory guidelines Supervise and mentor credit analysts and junior underwriters Coordinate with sales and operations teams for smooth loan processing Monitor portfolio performance and flag early warning signals (EWS) Prepare and present credit proposals to the credit committee Liaise with auditors and regulatory bodies (e.g., RBI) during inspections Maintain high standards of documentation and reporting Role & responsibilities Salary - 5 LPA to 15 LPA Preferred candidate profile

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPAs(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

Role & responsibilities : Credit Assessment & Underwriting: Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine creditworthiness. Perform due diligence, including CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making: Approve loan applications within the designated authority limit and escalate higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management: Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit: Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management: Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies: Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills. Preferred candidate profile MBA with finance Inter CA or CA

Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors 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 Ensure adherence of credit policies and RBI guidelines Continuous monitoring of Infant Delinquencies

Credit Manager-SALARIED PL AND WORKING CAPITAL-Credit Job Role :As part of Credit Team for Working Capital Finance Managing team of Credit Managers Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. Visiting customers for personal discussions and deal structuring Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained To evaluate proposals of customers for Home Loans, Loan against Property Decision making within defined TAT Understanding of property related aspects (like legal title and market value of the property) is an added advantage Coordinating with sales, operations, legal, technical and customer service Job Requirements: Qualification- CA with relevant underwriting experience Job Knowledge o Technical underwriting experienceo Analytical skills Skills & Experience o Experience of 2-4 years in relevant working capital products is desired,o Should be able to handle time bound activities effectivelyo Should be an effective team player.o Should have a sense of urgency & keenness to learn.

ROLE SUMMARY Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Revert on the Hindsight and Internal audit observations KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities Ensuring Credit appraisals are done within TAT Ensuring adherence to the credit policy and process. Core Responsibilities Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet Timely completion of credit appraisals / renewals/PSMs with effective structures Customer Meetings and Discussion along with factory/ Unit visit where ever required. Timely closure of exceptions & managing limit/facility overdue. Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action Interaction with various stakeholders (internal and external) for review of such customers Carry out internal rating of customers and assign/review rating Maintain/monitor Credit Hygiene People Management or Self-Management Responsibilities Timely/ effective closure of transaction requests. Minimal CAM over dues. Timely closure of exceptions & managing limit/facility overdue. . Risk and Internal Control Responsibilities Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management KEY INTERACTIONSKey Internal InteractionsPurpose of Interaction Business Team To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when required Product Team For clarification / guidelines as and when required Key External InteractionsPurpose of Interaction Customers As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL COMPETENCIESCore CompetenciesCompetency NameBehaviors Customer Focus Listens to and demonstrates an understanding of customers stated needs Delivers customer value through timely and quality execution Develops an understanding of problems and employs existing or new methods to find solutions Professional Entrepreneurship Takes proactive and constructive action at work with little or no direction from others Displays responsibility for problems, initiatives and tasks that lie within the domain of own role. Drive for Results Seeks to understand the rationale for key decisions and understands implications for own role/ actions Displays a sense of urgency to deliver outcomes as per stated timelines Reacts to challenges by displaying an optimistic demeanor Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership CompetenciesCompetency NameBehaviors Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety

Hi, Menka here from Onboard HRServices!! On Spot Opportunity! As Branch Credit Manager - HL/LAP Prime at Jaipur with Leading NBFC Interested candidates can share CVS on menka@onboardhrservices and WhatsApp +91 8779790290

Roles and Responsibilities Manage mortgage loans from origination to disbursement, ensuring timely processing and quality control. Conduct thorough credit appraisals, assessing borrower's financial situation, income stability, and repayment capacity. Develop strong relationships with customers through effective communication and issue resolution. Collaborate with internal teams to ensure seamless execution of underwriting processes. Maintain accurate records and reports on loan applications, approvals, and disbursements. Desired Candidate Profile 4-6 years of experience in Credit Management or related field (preferably in Home Loans & Mortgages). Strong understanding of credit underwriting principles, policies, and regulations. Excellent analytical skills for evaluating complex financial data and making informed decisions. Ability to work independently with minimal supervision while maintaining high levels of accuracy.

Responsibilities- - Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc. - Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis. - Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants. - Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc. - Benchmark borrowers financial performance across competitors and industry benchmarks. - Secondary research to gather additional information about the background of management and the borrower. - Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. - Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. - Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: - Keen interest towards tech driven new age/ alternate data-based credit decision process. - Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. - Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. - Critical thinker with strong decision-making ability, excellent written and verbal communication. - Demonstrated capabilities towards multiple stakeholder management. - Knowledge of drafting curated sanction letters and loan agreements will be an added advantage. Education: MBA (Finance)/ CA

Must have mortgage loan experience Must have ability to read balance sheet & Profit & Loss Ac Must have Personal Discussion experience

Experience in Secured Loan- LAP with ticket size above 50 Lac. have experience in Assessment & PD (Personal Discussion) .Helps to update and improve credit rating criteria.

Hiring for the role of Credit Manager Product: Personal Loan Evaluate credit operational market and other branch-level risks Address risks in processes, systems, and staffing; develop contingency plans Interested can call or send resume 9592809025

Role & responsibilities 1. MSME vertical is a growing business for Ujjivan. The Credit Manager will be an important position that will drive the Portfolio growth for the particular location. 2. Underwriting of Working Capital - Fund Based & Non-Fund Based customers for Facility amount up to 10 Cr 3. Managing a portfolio of fund based as well as non-fund based facilities i.e. term loan, cash credit, working capital demand loan, overdrafts, letter of credit, bank guarantees etc. 4. Managing entire underwriting process which includes CAM preparation, credit assessment, PD with customer, detailed financial analysis of proposal and presentation of proposal to the approving authority 5. Ensuring proper documentation and disbursement of the credit facilities to the customer on time 6. Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P&L Account and Balance Sheet including cash flows of self-employed borrowers. 7. Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on facility performance. 8. Provide Market intelligence from competition and customers stand point Recommendations on new processes & fraud Control initiative etc. I ntrested can share your resume on mahesh.dolare@ujjivan.com

Role & responsibilities CA 1st/ 2ns Attempt preferred. MBA Finance with Mini. 1 year exp in banking. Credit appraisal & analysis. Business & portfolio management. Excellent communication Client & portfolio management Business & revenue management Preferred candidate profile CA-1st/2nd Attempt CA Fresher MBA -1-2 years in banking