Credit Officer

Company’s Profile

Kosh is India’s first digital Microfinance platform co-founded by 2 IIT Delhi alumni for the blue-collared workforce in India. We offer Joint Liability loans through our mobile app. Currently active in 8 States and covering 30+ districts, Kosh intends to provide targeted financial products in savings, credit, and investment to the masses in Bharat with competitive terms and great customer experience.

WHY KOSH?

Kosh is creating customized products for blue-collar workers, who traditional financial institutions do not serve. We make sure that the customer is our priority, that’s why we ensure 100% transparent communication and a great customer experience with a fully digital loan process.

• The incumbent will be responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedures to honor the agreed SLAs and manage city/area business volumes.
• To conduct personal discussions with customers to establish creditworthiness.
• The incumbent will ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• To coordinate with sales to achieve targets and ensure TAT or SLAs are met.
• To ensure credit policy adherence to the accepted standards.
• To control and contain front-end delinquencies by calling up customers on the first presentation.
• To manage and supervise a team of credit underwriters and provide guidelines.

Experience - 1 - 2 years

Salary Range - up to 3.5 LPA

(Depending on experience and the interview feedback)