259 Credit Operations Jobs

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Meeting & exceeding business goals/targets in different products ie. Loans & Insurance bundled/Non-Bundled through Lead fulfilment & Field Activity on existing Data Base Manage, control & own all channels businesses. Recruit, retain, manage & build a productive team of Off Roll employees Maintain delinquency on the portfolio, in line with the Product Segment. Take Care of customer Escalations and Complaint Monitor & measure key conversion, productivity & data penetration metrics Learning and Understanding of CRM & lending system - Salesforce.com & Finnone is must. Effectively engage with Credit, Operations & Risk teams. Hygiene Management - This form the crucial part of car refinance business - effective monitoring and PDD Collection. Tracking cases at every stage to have better control. Required Qualifications and Experience Graduates with relevant experience of 2-3 prior work experience of Direct or Channel sales in loans. Experience in Insurance will be an added advantage Ensure to update status within 24 hrs of lead received. Ability to Recruit FOS through different channels. Maintain a pickup percentage as per the metric. Maintain FOS productivity as the metric. Excellent Team Handling and problem resolving ability. Good hands on experience and knowhow for working on Data Management and MS Office. A good team leader to handle the team and achieve the set target. Exceptionally high motivational levels and needs to be a self-starter.

Position - Area Credit Manager - UCV Finance - Motor Finance - Credit - Prestige Libra - JM Key Objective of the Job: To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions.Top of Form Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA / ICWA / CS / M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/ Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Ability to work under pressure Should have problem Solving Skill.

Key Objective of the Job: To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions. Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA/ICWA/CS/M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Should have problem Solving Skill

Role & responsibilities Make needed changes within account records related to the receipt of bankruptcy notices, validation of debt requests, death certificates, debt consolidation requests, and military orders. Negotiate debt consolidation settlement agreements as outlined by guidelines and procedures. Accurately posts payments received from bank lockbox to system of record and ensures each payment batch is balanced daily Handle the clerical functions of processing debit card chargebacks. Must multi-task, including researching information through multiple systems, to make judgment decisions based on the data reviewed. Relentlessly ask questions of the tools used and accounts serviced to uncover anomalies and risks to the business and provide user and feedback to various teams across the company. Complete back-end exception tasks as requested by front-line agents Follow and apply Standard Operating Procedures (SOPs) appropriately. Perform other duties or tasks as assigned. Preferred candidate profile Communication: Communicates clearly, in both verbal and written form. Ethics and Responsibility: Acts with dignity and respect, connecting with both internal and external partners. Gains confidence and trust of others through principled behavior. Flexibility/Adaptability: Demonstrates a strong sense of urgency and is able to work in a fast-paced, ever-changing environment with a strong focus on risk mitigation and customer experience. Ability to work extended hours/weekends as needed. Ownership: Achieves successful results by focusing on performance that enhances the customer experience and applies a sense of urgency in the effort to create value for the company. Is proactive in identifying opportunities for improvement in process, policies and customer service solutions. Teamwork: Builds effective working relationships and collaborates as a team player, using positive flow of communication when voicing concerns. Proficient in Microsoft Office Products (Outlook, Excel, Word)

Business Manager - MSME - Vashi (Mumbai) Job ID - KFL10234 Posting Date 30 June 2023 Sales-MSME 5-8 Years Vashi, Maharashtra, IN No. of Post Job Description Key Roles and Responsibilities: Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers/managers. New Client Acquisition & Business generation of MSME Business. Responsible for individual & team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal & external channel for business expansion & development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections & Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales.

Business Manager - MSME - Pune (Manjari) Job ID - KFL10435 Posting Date 30 June 2023 Sales-MSME 5-8 Years Pune, Rajasthan, IN No. of Post Job Description Key Roles and Responsibilities: Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers/managers. New Client Acquisition & Business generation of MSME Business. Responsible for individual & team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal & external channel for business expansion & development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections & Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales.

Business Manager - MSME - Mumbai (Boisar) Job ID - KFL10360 Posting Date 30 June 2023 Sales-MSME 5-8 Years Boisar, Maharashtra, IN No. of Post Job Description Key Roles and Responsibilities: Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers/managers. New Client Acquisition & Business generation of MSME Business. Responsible for individual & team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal & external channel for business expansion & development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections & Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales.

About the Role: Relationship Managers (RM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. RMs manage a team of executives responsible for selling loan products to the customers based on their needs and growth of the lending book of the area through NTB acquisition as well ETB portfolio They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction. Details of the Role: Department CBG Grade AM/DM/M/SM Sub-Department SBB- CBG Reporting (Business) SM/AVP/VP Location Reporting (Matrix) Key Responsibilities: Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i. e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc. ) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Act as Absolute owner of the Mapped book & manage the Customer Life Cycle. Renewals & Deferrals Management Manage the Portfolio Health, DPDs & the timely interest servicing Aim to increase Product per Customer & acquire full relationship of the Customer for all banking Needs Responsible for the productivity of the Relationship officer if mapped. Effectively use the Digital platforms like Project Neo, Various STP Journeys , Business App , Siddhi & others available to extend faster & better experience. Qualifications: Graduation/post-graduation from a recognized institute 2+ years sales experience. Role Proficiencies: Strong sales orientation Proficiency in managing complex client relationships, diverse stakeholders Knowledge of industry, technology, marketing, and product trends Knowledge of regulatory guidelines and norms Capability to handle pressure and meet deadlines Competence in managing within a dynamic, priority-setting environment Strong risk and compliance mindset Adept at communication and interpersonal skills

About the Role: Relationship Managers (RM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. RMs manage a team of executives responsible for selling loan products to the customers based on their needs and growth of the lending book of the area through NTB acquisition as well ETB portfolio They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction. Details of the Role: Department CBG Grade AM/DM/M/SM Sub-Department SBB- CBG Reporting (Business) SM/AVP/VP Location Reporting (Matrix) Key Responsibilities: Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i. e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc. ) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Act as Absolute owner of the Mapped book & manage the Customer Life Cycle. Renewals & Deferrals Management Manage the Portfolio Health, DPDs & the timely interest servicing Aim to increase Product per Customer & acquire full relationship of the Customer for all banking Needs Responsible for the productivity of the Relationship officer if mapped. Effectively use the Digital platforms like Project Neo, Various STP Journeys , Business App , Siddhi & others available to extend faster & better experience. Qualifications: Graduation/post-graduation from a recognized institute 2+ years sales experience. Role Proficiencies: Strong sales orientation Proficiency in managing complex client relationships, diverse stakeholders Knowledge of industry, technology, marketing, and product trends Knowledge of regulatory guidelines and norms Capability to handle pressure and meet deadlines Competence in managing within a dynamic, priority-setting environment Strong risk and compliance mindset Adept at communication and interpersonal skills

About the Role: Relationship Managers (RM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. RMs manage a team of executives responsible for selling loan products to the customers based on their needs and growth of the lending book of the area through NTB acquisition as well ETB portfolio They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction. Details of the Role: Department CBG Grade AM/DM/M/SM Sub-Department SBB- CBG Reporting (Business) SM/AVP/VP Location Reporting (Matrix) Key Responsibilities: Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i. e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc. ) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Act as Absolute owner of the Mapped book & manage the Customer Life Cycle. Renewals & Deferrals Management Manage the Portfolio Health, DPDs & the timely interest servicing Aim to increase Product per Customer & acquire full relationship of the Customer for all banking Needs Responsible for the productivity of the Relationship officer if mapped. Effectively use the Digital platforms like Project Neo, Various STP Journeys , Business App , Siddhi & others available to extend faster & better experience. Qualifications: Graduation/post-graduation from a recognized institute 2+ years sales experience. Role Proficiencies: Strong sales orientation Proficiency in managing complex client relationships, diverse stakeholders Knowledge of industry, technology, marketing, and product trends Knowledge of regulatory guidelines and norms Capability to handle pressure and meet deadlines Competence in managing within a dynamic, priority-setting environment Strong risk and compliance mindset Adept at communication and interpersonal skills

Job Description Position / Designation Branch Credit Manager Secured & Unsecured Lending Business Grade Employment Type All Employment Type Reporting to Designation & Grade State Credit Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Credit Operations Main Tasks & Areas of Responsibility End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. Skills and Exposure A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. Special Requirements (If any) Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. Job Location / State Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Experience in Home Loans / Mortgages, with team handling skill sets. Communication Skills Good oral, written and presentation skills Experience 5+ years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Job Description Position / Designation Branch Credit Manager Secured & Unsecured Lending Business Grade Employment Type All Employment Type Reporting to Designation & Grade State Credit Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Credit Operations Main Tasks & Areas of Responsibility End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. Skills and Exposure A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. Special Requirements (If any) Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. Job Location / State Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Experience in Home Loans / Mortgages, with team handling skill sets. Communication Skills Good oral, written and presentation skills Experience 5+ years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Job Description Position / Designation Branch Credit Manager Secured & Unsecured Lending Business Grade Employment Type All Employment Type Reporting to Designation & Grade State Credit Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Credit Operations Main Tasks & Areas of Responsibility End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. Skills and Exposure A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. Special Requirements (If any) Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. Job Location / State Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Experience in Home Loans / Mortgages, with team handling skill sets. Communication Skills Good oral, written and presentation skills Experience 5+ years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Job Description Position / Designation Branch Credit Manager Secured & Unsecured Lending Business Grade Employment Type All Employment Type Reporting to Designation & Grade State Credit Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Credit Operations Main Tasks & Areas of Responsibility End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. Skills and Exposure A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. Special Requirements (If any) Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. Job Location / State Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Experience in Home Loans / Mortgages, with team handling skill sets. Communication Skills Good oral, written and presentation skills Experience 5+ years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

We are looking for a highly skilled and experienced Credit Manager to join our team in Delhi. The ideal candidate will have 2-7 years of experience in credit administration, underwriting, or a related field. Roles and Responsibility Implement and manage credit admin processes and credit underwriting for the corporate finance division. Ensure security perfection and appropriate charge creation along with filing in ROC for assets securing the facility. Follow up on post-disbursal documents (PDD) and deferral MIS. Generate MIS on revenue leakages as per sanction conditions. Conduct process mapping and process improvement related to business operations. Coordinate with the operation department for data input and file maintenance. Job MBA in Finance/CA or any graduate degree. Minimum 2 years of experience in credit administration, underwriting, or a related field. Possess strong knowledge of credit management, financial services, and banking operations. Demonstrate excellent communication and coordination 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 skilled professional with 5 to 10 years of experience to lead our Credit Operations team in Chandigarh. The ideal candidate will have a strong background in credit operations, process improvement, and team management. Roles and Responsibility Oversee end-to-end credit and operations oversight, ensuring compliance with policies and regulatory guidelines. Supervise and manage the login of loan applications, including KYC and document verification. Ensure timely initiation of internal reports and checks as mandated by credit policy. Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines. Manage a team of Credit Processing Associates (CPAs) across branches, providing regular training and upskilling to enhance process knowledge and efficiency. Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Drive penetration of E-NACH for improved operational efficiency. Ensure acknowledgment of property papers / PDDs from the credit team and timely handover of PF/Balance PF Cheques to the operations team, tracking clearance of cheques. Hold regular meetings with the business team and conduct regular training for improvement in FTR files. Work cross-functionally with internal partners to develop technological solutions and adapt new technologies to drive efficiency, correct deficiencies, and build greater consistency in processes. Prioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC. Ensure low attrition for the team. Job Minimum 5 years of experience in credit operations or a related field. Strong knowledge of credit policy, process improvement, and team management. Experience with Loan Origination System (LOS), Finnone, and Salesforce is desirable. Excellent communication and leadership skills. Ability to work cross-functionally with internal partners to develop technological solutions. Strong analytical and problem-solving skills. UG educationB.Com - Commerce. PG educationCA, MBA/PGDM - Any Specialization. Additional Info The company offers opportunities for growth and development.

We are looking for a highly skilled and experienced Credit Manager to join our team in Kolkata. The ideal candidate will have 6-8 years of experience in credit administration, underwriting, and financial services. Roles and Responsibility Implement and manage credit admin processes and credit underwriting for the corporate finance division. Ensure security perfection and appropriate charge creation along with filing in ROC for assets securing the facility. Follow up for post-disbursal documents (PDD) and deferral MIS. Generate MIS on revenue leakages as per sanction conditions. Process mapping and process improvement related to business operations. Coordinate with the operation department for data input and file maintenance. Job MBA in Finance or CA certification is required. Possess strong knowledge of credit administration, underwriting, and financial services. Demonstrate excellent communication and coordination skills. Ability to work effectively in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills. Maintain confidentiality and handle sensitive information with discretion.

We are looking for a skilled professional to join our team as a Manager - Retail Branch Operations - Housing - Branch Operations in Hyderabad, Kukatpally Mandal. The ideal candidate will have 6-9 years of experience and a strong background in retail branch operations, housing, and credit ops. Roles and Responsibility Manage daily retail branch operations, ensuring efficient and effective service delivery. Oversee housing loan processes, including sales, disbursement, and repayment. Develop and implement strategies to enhance customer satisfaction and loyalty. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify growth opportunities. Ensure compliance with regulatory requirements and internal policies. Job Strong knowledge of banking operations, financial services, and broking. Experience in managing retail branches, housing loans, and credit operations. Excellent communication, leadership, and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and decision-making skills. Familiarity with industry-specific software and systems. Candidate should be a graduate or postgraduate degree holder. Competitive salary and benefits will be offered to the right candidate.

We are looking for a highly skilled and experienced Credit Manager to join our team in Jaipur. The ideal candidate will have 2 to 7 years of experience in credit administration, underwriting, or a related field. Roles and Responsibility Implement and manage credit admin processes and credit underwriting for the corporate finance division. Ensure security perfection and appropriate charge creation along with filing in ROC for assets securing the facility. Follow up on post-disbursal documents (PDD) and deferral MIS. Generate MIS on revenue leakages as per sanction conditions. Conduct process mapping and process improvement related to business operations. Coordinate with the operation department for data input and file maintenance. Job MBA in Finance/CA or any graduate degree. Minimum 2 years of experience in credit administration, underwriting, or a related field. Possess strong knowledge of credit management, financial services, and banking operations. Demonstrate excellent communication and coordination 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 Hyderabad. The ideal candidate will have 6-9 years of experience in credit administration, underwriting, and financial services. Roles and Responsibility Implement and manage credit admin processes and credit underwriting for the corporate finance division. Coordinate with operations departments for data input and file maintenance. Ensure security perfection and appropriate charge creation, and file in ROC for assets securing the facility. Follow up on post-disbursal documents (PDD) and deferral MIS. Generate MIS on revenue leakages as per sanction conditions. Map and improve processes related to business operations. Job MBA in Finance or CA certification is required. Possess strong knowledge of credit underwriting, financial services, and banking. Demonstrate excellent communication and coordination skills. Ability to work effectively in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills. Maintain confidentiality and handle sensitive information with discretion.

We are looking for a highly skilled and experienced professional to join our team as a Manager in the Cleantech Credit department, located in Mumbai - Lower Parel. The ideal candidate will have 6-10 years of experience in credit underwriting or a related field. Roles and Responsibility Conduct detailed analysis of financial statements, including financial ratios and notes to accounts, for proposed borrowers and promoter/borrower groups. Provide commentary on financial analysis, explaining large/material variations and key ratios. Review project documents and support credit managers in preparing summary reports for credit notes. Prepare internal MIS required for credit underwriting. Collaborate with cross-functional teams to ensure seamless credit operations. Develop and maintain relationships with key stakeholders, including customers and partners. Job Strong understanding of financial services, banking, and credit underwriting principles. Excellent analytical and problem-solving skills, with attention to detail and ability to work independently. Effective communication and interpersonal skills, with the ability to build strong relationships. Ability to work in a fast-paced environment and meet deadlines. Strong knowledge of financial regulations and compliance requirements. Experience working with MIS systems and data analysis tools. A graduate degree is required for this position.

We are looking for a highly skilled and experienced Credit Manager to join our team in Mumbai. The ideal candidate will have 6-10 years of experience in credit administration, underwriting, or a related field. Roles and Responsibility Implement and manage credit admin processes and credit underwriting for the corporate finance division. Ensure security perfection and appropriate charge creation along with filing in ROC for assets securing the facility. Coordinate with operations departments for data input, file maintenance, and other tasks. Generate MIS on revenue leakages as per sanction conditions and follow up for post-disbursal documents (PDD) and deferral MIS. Check and follow up for security creation and process mapping and improvement related to business operations. Issue sanctioned letters, pre-disbursement and pre-sanction documents, and verify them. Job MBA in Finance or CA degree. Possess strong knowledge of credit administration, underwriting, and financial services. Demonstrate excellent communication and coordination skills. Ability to work in a fast-paced environment and meet deadlines is essential. Exhibit strong analytical and problem-solving skills. Maintain confidentiality and handle sensitive information with discretion.

We are looking for a skilled professional with 4 to 15 years of experience to join our team as a Manager DSMG in Kolkata. The ideal candidate will have a strong background in collections and financial services, with excellent communication and problem-solving skills. Roles and Responsibility Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost, and roll rates. Ensure NPA''s are within the assigned budget and minimize them through active efforts. Increase fee income/revenue and develop initiatives to control and reduce vendor payouts. Conduct asset verifications and possession as per SARFESI/Section 9 process through court receivers. Track and control delinquency, focusing on non-starters. Build relationships with key clients to ensure timely collections and monitor defaulting customers. Represent the organization in front of legal/statutory bodies as required by the legal team and ensure the collection team adheres to legal guidelines. Allocate work to field executives and ensure agencies perform as per defined SLA, with payments and audit receipts deposited within the defined SLA. Ensure adequate Feet on Street availability and obtain daily updates from all collection executives on the delinquent portfolio, initiating detailed account level reviews of high-ticket accounts. Ensure compliance with all Audit/Regulatory bodies and company policies and procedures. Job Post Graduate or Graduate in any discipline. Minimum 4 years of experience in collections or financial services. Strong knowledge of banking and financial services. Excellent communication and problem-solving skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and organizational skills.

We are looking for a highly skilled and experienced Area Credit Manager to join our team in Vijayawada. The ideal candidate will have 6-8 years of experience in the banking industry, preferably with TATA Capital Limited. Roles and Responsibility Manage and oversee credit operations for individual loans. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Strong understanding of financial services industry trends and developments. Experience working with credit management systems and software. Educational qualificationAny Graduate or Postgraduate degree. Additional Info For more information, please contact Punnaiah & Vajramma Complex - JM at 6587885.