372 Credit Operations Jobs - Page 14

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches. Credit-Operations Manager will ensure 100% process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. ore Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process. Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC. Ensuring gating rejections in line with credit policy and close monitoring on login quality. Ensuring timely initiation of internal reports and checks as mandated by credit policy. Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy. Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines. Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing. Ensure 100% adherence to policies and SOPs across all credit-operations processes. Identify and rectify process gaps to enhance efficiency and accuracy. Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required. Ensure compliance with regulatory requirements and internal controls. Work on Loan Origination System (LOS) and Finnone for loan processing. Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting. Support digital initiatives to streamline credit-operations processes and improve efficiency. Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region. Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency. Conduct periodic performance reviews and ensure team adherence to KPIs. Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs): First Time Right (FTR) - Ensuring minimal errors in loan files. Turnaround Time (TAT) - Ensuring quick and efficient loan processing. Compliance Adherence - No deviations from policy and regulatory guidelines. Process Efficiency - Identifying and implementing improvements in workflows. Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit team Responsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques. Hold regular meetings with the business team & conduct regular training for improvement in FTR files Work cross-functionally with internal partners to develop technological solutions and to adapt and deploy 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. Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

Managing Sales of Home Loan Product Sourcing business through open market - DST & DSA Strong knowledge of home loans, LAP, mortgage loans Sourcing - DSA. Open Market ,Connectors HR MANISHA MOB : 6354241839 CALL AND WhatsApp Required Candidate profile Must have minimum 1 year experience in Housing loan / LAP / Mortgage Loans sales CANDIDATE AGE 21 TO 50 (Depend on your Experiences in Housing loan / LAP /

Looking after credit underwriting of SENP / SEP cases (self-employed & non-professionals.) by having a deep understanding of applicant's financials and business background post visiting customer Appraising loan applications for creditworthiness ensuring adherence to KYC norms, credit bureau assessment and financials maintaining the processing TAT Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in the mortgage industry. Responsible for frequent training, updates on new circulars, credit policy with the sales team.

We are looking for a Credit Risk Manager–Supply Chain Finance to assess and manage credit risk across dealer, vendor,and factoring programs,ensuring portfolio quality,policy compliance,and supporting business growth through effective risk evaluation

Job Title: Regional Credit Manager - Commercial Vehicles Location: Gujarat, Rajasthan, Madhya Pradesh, Maharashtra Experience: Experience Requirement, 12-15 years] Industry: Commercial Vehicles Finance Currently working in Bank/NBFC as Area Credit Manager/Regional Credit Manager Key Responsibilities: - Evaluate creditworthiness of customers and approve loan applications for commercial vehicl financing. - Analyze financial data, business models, and risk factors to ensure sound credit decisions - Manage and mentor a team of credit analysts across the region - Collaborate with sales and operations teams to align credit policies with business goals - Monitor portfolio health, ensuring compliance with company policies and regulator requirements. - Conduct periodic reviews and implement strategies to minimize delinquencies Required Skills: - Strong understanding of credit analysis in the commercial vehicles/automotive finance sector - Excellent financial modeling, risk assessment, and decision-making skills - Team management and stakeholder collaboration abilities - In-depth knowledge of industry-specific regulatory frameworks Qualifications: - Graduate, MBA in Finance/CA or equivalent qualification - Proven track record in regional credit management or similar roles

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-3 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales and revenue growth. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Experience in relationship management and sales strategy development.

We are looking for a skilled Business Development Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 7-8 years of experience in the BFSI industry. Roles and Responsibility Develop and implement effective business strategies to achieve sales targets. Build and maintain strong relationships with clients and stakeholders. Identify new business opportunities and expand existing customer base. Collaborate with cross-functional teams to drive business growth. Analyze market trends and competitor activity to stay ahead in the industry. Provide excellent customer service and support to ensure high levels of customer satisfaction. Job Requirements Proven track record of achieving sales targets and driving business growth. Strong understanding of the BFSI industry and its regulations. Excellent communication, interpersonal, and negotiation skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Experience in managing and leading a team to achieve business objectives.

We are looking for a highly motivated and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 0-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Build strong relationships with customers and stakeholders. Monitor and report on credit performance metrics. Collaborate with cross-functional teams to achieve business objectives. Job Requirements Strong knowledge of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in credit management software and systems. Strong attention to detail and organizational skills. Location : - Buldana,Akola,Nagpur,Nashik

We are looking for a highly skilled and experienced Receivable Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-3 years of experience in the BFSI industry, preferably with a background in receivables management. Roles and Responsibility Manage and oversee the collection process to ensure timely recovery of outstanding amounts. Develop and implement effective strategies to minimize non-performing assets (NPA) and improve cash flow. Collaborate with internal teams to resolve customer complaints and disputes related to loan recoveries. Analyze and report on delinquency trends and provide insights to senior management. Ensure compliance with regulatory requirements and internal policies related to receivables management. Maintain accurate records and reports of all interactions with customers and stakeholders. Job Requirements Strong knowledge of financial regulations and laws governing the BFSI sector. Excellent communication and interpersonal skills to build strong relationships with customers and internal stakeholders. Ability to work in a fast-paced environment and meet deadlines while maintaining attention to detail. Proficiency in MS Office and other software applications relevant to receivables management. Strong analytical and problem-solving skills to identify areas for improvement and implement solutions. Experience working with NPA and other financial metrics is desirable.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 3 to 8 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals to expand the client base. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue and cross-sell products. Collaborate with internal teams to resolve customer queries and issues promptly. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Proficiency in MS Office and other relevant software applications.

Looking for a motivated Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 0-13 years of experience in the BFSI industry and be based in a location to be determined. Roles and Responsibility Develop and maintain strong relationships with existing clients to increase business growth. Identify new business opportunities and expand the client base. Provide excellent customer service and support to clients. Collaborate with internal teams to achieve sales targets and objectives. Analyze market trends and competitor activity to stay ahead in the industry. Build and maintain a strong understanding of client needs and preferences. Job Requirements Strong knowledge of the BFSI industry and its regulations. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with small finance banks or similar institutions is an advantage. Ability to build and maintain strong relationships with clients and colleagues. Location - Kanniyakumari,Madurai,Nagercoil,Sankarankoil,Tirunelveli

We are looking for a highly motivated and experienced Business Development Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 3 to 8 years of experience in the BFSI industry, preferably in used car finance. Roles and Responsibility Develop and implement effective business strategies to achieve sales targets. Build and maintain strong relationships with clients and stakeholders. Conduct market research and analyze competitor activity to stay ahead in the market. Collaborate with cross-functional teams to drive business growth. Identify and mitigate risks associated with business development activities. Monitor and report on business performance metrics. Job Requirements Strong knowledge of the BFSI industry, particularly in used car finance. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with financial institutions is an advantage. Ability to think creatively and develop innovative solutions. Any graduate can apply for this position.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 0-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. 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 Requirements 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. Proficiency in credit management software and systems. Strong attention to detail and organizational skills.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit operations. Roles and Responsibility Manage and process loan applications according to company policies and procedures. Conduct thorough credit analysis and risk assessments to determine client creditworthiness. Develop and maintain relationships with existing clients to ensure timely payments and resolve any issues that may arise. Collaborate with internal teams to identify new business opportunities and grow the bank's customer base. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing strategies to mitigate risks. Ensure compliance with regulatory requirements and industry standards in all credit-related activities. Job Requirements Strong knowledge of credit operations, including credit scoring, underwriting, and risk assessment. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and colleagues. Proficiency in Microsoft Office and other banking software applications. Ability to work in a fast-paced environment, meeting deadlines and achieving targets. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience working in a similar role within the BFSI industry is preferred.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-4 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. 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 control credit portfolio quality and growth. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit teams and driving business results. A graduate or postgraduate degree is required.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-3 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. 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 Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit portfolios and developing credit strategies. Location - Chennai,Tiruvannamalai,Tirupathur,Vellore

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment with multiple priorities. Proficiency in credit software and systems is required. Strong attention to detail and organizational skills are essential. Experience working in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Area Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-15 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee credit operations within the bank. Develop and implement effective credit policies and procedures. Conduct thorough credit risk assessments and provide recommendations. Collaborate with cross-functional teams to achieve business objectives. Monitor and analyze credit portfolio performance metrics. Identify areas for improvement and implement process enhancements. Job Requirements Strong knowledge of credit underwriting, risk management, and regulatory compliance. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Strong leadership and team management skills. Proficiency in credit software and systems. Experience in managing and analyzing large datasets. Educational qualifications: Any Graduate or Postgraduate degree.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment with multiple priorities. Proficiency in credit software and systems is required. Strong attention to detail and organizational skills are essential. Experience working in the BFSI industry, preferably in a similar role.

We are looking for a highly motivated and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-2 years of experience in the BFSI industry, preferably in retail mortgages. Roles and Responsibility Manage and maintain strong relationships with existing clients to ensure customer satisfaction and retention. Identify new business opportunities and develop strategies to acquire new customers. Conduct market research and competitor analysis to stay informed about industry trends. Collaborate with internal teams to provide comprehensive solutions to clients. Develop and implement effective sales plans to meet or exceed monthly targets. Provide exceptional customer service and support to resolve client queries and concerns. Job Requirements Strong knowledge of retail mortgages and financial products. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with cross-functional teams. Familiarity with industry regulations and compliance requirements.

Information Technology Professionals Job Title: Software Engineer/IT Analyst, Banking Sales & OPS . Job Summary: We're seeking highly skilled IT professionals to join our team. The ideal candidate will have experience in specific areas. Key Responsibilities: - Design, develop, and implement software solutions - Collaborate with cross-functional teams to identify and prioritize project requirements - Troubleshoot and resolve technical issues - Stay up-to-date with industry trends and emerging technologies Requirements: - Bachelor's degree in any .University - years of experience in IT/software development - Strong problem-solving and analytical skills Banking Professionals Job Title: Relationship Manager/Credit Analyst. Job Summary: We're looking for experienced banking professionals to join our team. The ideal candidate will have a strong understanding of banking products and services. Key Responsibilities: - Build and maintain relationships with clients - Identify and pursue new business opportunities - Conduct credit analysis and risk assessment - Stay up-to-date with market trends and regulatory requirements Requirements: - Bachelor's degree in Finance, Banking, or related field - MIN 1 year of experience in banking/finance - Strong analytical and communication skills - Knowledge of banking products and services Location: PAN INDIA Work Mode : WFH

Job Requirements Role/Job Title: Branch Credit Manager-Rural Function/Department: Rural Banking Job Purpose: The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Roles & Responsibilities: Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms. Maintaining Credit TAT to ensure the growth of business. Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases. Conducting Random Visits in order to cross check the authenticity of the Contact point verifications. To manage post disbursement documents and partly disbursed cases. Maintaining credit MIS and various management reporting as required. Manage Audit compliance for the branch and support in other operational activities. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.

Job Role • Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. • To ensure Bounce Rate and Delinquency are within acceptable standards • .Monitor and enforce approval rate and TAT as per prescribed standards. • Monitor and ensure that monthly Branch audit score is satisfactory. • Vendor Management. • To conduct customer meeting to evaluate credit proposal • PDD Tracking and closure. • Compliance to repayment instrument replenishment to ensure regular repayment of EMI Key Responsibilities. • Responsible for Process and Policy Adherence. • Responsible for Effective Cost Management. • Understanding & Managing Healthy Portfolio. Mandatory skills • Graduate. • 3 - 4 yrs experience. • Strong analytical and problem solving skills • Documentation, Disbursement & File Processing. • Knowledge on secured and unsecured loans. • Good communication and pleasing personality. • High level of Self Drive/Enthusiasm

Credit File Checking as a maker role. Disbursement Docket Checking for Solar, BL, PL, LAP, HL, SCF Other loan products as a maker. Support to Doc Team HO as well as LMS entries for disbursement other tasks as a maker role. Post Disbursement activities Customer Service-related support to HO Ops. Rejection Letter dispatch MIS, IPF, Login Fees management, and other Ops tasks as guided by HO Ops Team. Collecting the needed financial documentation and assessing the clients creditworthiness. Calculating and analyzing the risk ratios of clients based on their credit score and financial history. Approving or denying loan requests and communicating decisions to both clients and management. Setting up payment plans for clients, explaining monthly installment amounts, interest rates, and other costs. Maintaining records of loan applications using loan management software. Managing loan renewals by organizing follow-up meetings with clients. Monitoring the progress of the loan application process and relaying any hindrances to clients. Ensuring that loan applications comply with the company s financial policies, state laws, and regulations. Qualifications Required: Bachelor s degree required. Minimum of 1 year s experience as an Operations Officer. Strong communication skills and proven customer service experience. Strong ethical behavior and the ability to work with sensitive financial information.

Uploading loan data tapes, determining loan eligibility, identifying errors, execution of fundings, margin calls, servicing updates and loan settlements Manage tasks related to warehouse financing in ProMerit as assigned. Required Candidate profile -2 years of experience in warehouse Financing Solutions line of business; including use and support of the ProMerit technology platform, warehouse financing operational activities, client services.