8 Credit Policies Jobs

You will be responsible for managing the Banks Credit Risk Policies in the role of Wholesale Credit Policy within the Risk Management department at Yes Bank Limited in Mumbai (YBH). Your primary duties will include preparing and maintaining various Bank policies in alignment with RBI guidelines and best practices in Risk Management. Additionally, you will be tasked with creating and managing Credit Underwriting CAMs and Spreads, conducting Sectoral reviews, and monitoring sectoral limits. To excel in this role, you must have a strong understanding of Corporate Credit, Underwriting, and experience in credit underwriting, credit risk management, risk monitoring, and credit policies. Proficiency in Excel, Word, and Power-point is essential, along with knowledge of major Risk Management Guidelines such as Master circulars on Credit and Risk Management by RBI. You will also be required to prepare dashboards, reports for Top Management, Board, and Risk Committees, and stay updated on regulatory guidelines to provide necessary analysis to Senior/Top Management. Non-Functional Skills including organizational abilities, multitasking, attention to detail, and the capacity to work independently are crucial for success in this role. Moreover, effective written and verbal communication skills, as well as strong interpersonal and relationship-building capabilities, will be essential for collaborating with cross-functional teams and engaging effectively with senior management, risk, and business units.,

As a Credit Officer, you will play a crucial role in evaluating and approving credit applications, managing credit risk, and ensuring adherence to the organization's credit policies. Your attention to detail and analytical skills will be essential in assessing customer creditworthiness, monitoring existing accounts, and collaborating closely with sales and finance teams to maintain a healthy credit portfolio. This is a full-time position with a day shift schedule that requires your presence in person at the work location.,

About Us Flexmoneys mission is to Democratize and Simplify Consumer Finance . Our best-in-class embedded digital finance platform enables any retailer, e-commerce merchant or other commerce partner to offer the widest range of embedded, frictionless instant digital affordability options from multiple trusted lenders across all customer touch points. We work with trusted lending partners (Banks, NBFCs and Fintechs) to develop and offer regulator compliant, instant digital credit products embedded in consumer journeys. What are we doing What will you do You are supposed to build and manage digital lending and origination partnerships with new lending partners. This includes working with lending partners and internal stakeholders to enhance and drive NTB origination success rates with lending partners including enabling such partners with appropriate digital journeys, alternate data and negotiating underwriting policies. In addition, this person will work with lending partners to conceptualize, define, bring to market, scale and monetize tailored new digital lending origination products as appropriate for vertical segments and key merchant requirements across Flexmoneys omni-channel network of merchant and commerce partners. Key Skills: 1. Market map, identify, on-board and build a strong network of Digital Lending Partners, focused on instant origination across key commerce categories across Flexmoneys merchant and commerce network 2. Work with the Lenders and External and Internal Stakeholders to create frictionless, digital customer onboarding journeys for different commerce segments and merchant sales channels 3. Conceive, Plan and Launch new lending products to drive Revenue Growth and through Cross Sell and Upsell 4. Business Plan for Lender Acquisition: Create business plan covering total market size, segmentation, go to market plan, pricing strategy and overall approach. Finalize list of accounts to target 5. Portfolio Monitoring: Work with the Lenders to help improve the overall approval rate and manage the risk for the Lenders 6. Custodian of Regulatory and Ecosystem level Enabler pertaining to Lending: Be updated with all Regulatory and Ecosystem level changes that impact Digital Lending The job holder must ensure he/she is fully aware of all the Compliance Policies and procedures issued in relation to the various types of Lenders What we look for 1. 6-8 years of experience in Lending with at least 3 years of working experience on Digital Lending, preferably with NBFC/Fintech partners 2. Should have a good understanding of Credit Policies and working with Credit Risk teams and partners to build custom underwriting and risk mitigation framework 3. Should have prior experience in building B2B Lending Partnerships and building new Digital Journeys with multiple stakeholders 4. Good communication and presentation skill 5. Strong understanding of Lending P&L 6. Go-getter, self-motivated and has the drive to create strong funnel and close multiple deals 7. Strong negotiation and customer management skills. Able to do the balanced task of promoting customer satisfaction within Flexmoney and grow Flexmoney revenue with the customer 8. Post-Graduate degree in Business Management is preferred 9. Should have excellent data interpretation abilities and strong MS Excel knowledge,

As a Credit Analyst, your primary responsibility will be to research and assess the creditworthiness of clients. You will be tasked with developing credit scoring models to accurately predict risks associated with loan requests. Based on the credibility and potential revenues and losses, you will be making informed decisions to either approve or reject loan applications. In this role, you will also be responsible for calculating and setting interest rates, as well as negotiating loan terms with clients to ensure mutually beneficial agreements. It will be essential to maintain detailed records of loan applications and follow up with clients to manage debt settlements and loan renewals effectively. Furthermore, you will need to ensure that all lending procedures strictly adhere to regulatory guidelines. Your expertise will be crucial in developing, reviewing, and updating the company's credit policies to align with industry standards and best practices.,

The Branch Head plays a crucial role in leading the sales and operations of the branch to achieve financial goals and ensure compliance. With a deep understanding of the bank's product lines, the Branch Head manages staff, fosters a positive work environment, and ensures customer satisfaction. Daily oversight of sales and operations, along with responsibility for business development, are key aspects of this role. Collaborating with the Cluster Head, the Branch Head participates in setting growth, sales, and profit objectives for the branch. Ensuring proper staffing levels and training to meet customer service and sales goals is essential. Compliance with Bank policies, maintenance of security protocols, and adherence to regulatory guidelines are paramount responsibilities. Monitoring overdrawn accounts and delinquencies, conducting sales and customer service meetings, and actively engaging staff in building customer relationships are key duties. The Branch Head is a proactive member of the customer service team, accountable for sales performance and knowledgeable about lending and credit policies. Additionally, the Branch Head conducts outside sales and customer service visits within the branch's market area to drive business growth. Strategic implementation to meet financial targets and qualitative goals aligns with the Bank's overall strategic plan.,

Hotel Experience Mandatory Min Experience Min. 3 yrs of overall experience min 2 yrs experience Credit Account Receivable Profile Brief Credit Account Receivable is responsible for overseeing the credit and collection processes, ensuring timely payments, and minimizing financial risk for the hotel. They develop and implement credit policies, assess creditworthiness of clients, manage accounts receivable, and work with various teams to optimize revenue and minimize bad debt

GRADE-SM DEPARTMENT-Credit SUB-DEPARTMENT-Micro Banking & Rural Banking REPORTS TO -Area Credit Manager REPORTING INTO-Officer Credit MB Unsecured ROLE PURPOSE & OBJECTIVE This role is responsible to manage credit policies and processes are followed for GL unsecured loans in the region and Manage that the processes/policies are effectively managed on the field. The role incumbent will maintain processing / underwriting of the GL loans in line with regulatory guidelines and internal policies with zero errors and facilitate Prudent Credit Decisions on exceptional cases based on data points SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Monitors portfolio and ensure good portfolio quality of around Rs. 200 to 300 Cr (both GL and IL) IL Disbursement of Rs. 12-15 Cr in a month through team Handles team of 6-8 members directly or indirectly Support business of 10-12 Branches in the region KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business: Manage if the Policies and Processes are effectively followed in the field by Distribution and Credit Train and Certify HV and GRT Person on Policy and Process revision Provide feedback about the Policy and Process based on the Field Understanding Conduct Area Surveys and Cross check as and when required Review the Negative areas regularly Rollout of new technology across all the branches Conduct GRTs/HV on sample basis to understand the ground realities. Identify and highlight issues / deviations in the field for necessary action Escalate field issues with respect to customers, field issues and competition Take necessary steps to Manage Good Portfolio quality while underwriting the loans Manage the data and reports are effectively used for managing team and Risk in the field Visit Overdue cases, understand the issues and prepare reports or case studies Follow up for collections in the early bucket Prepare action plan for critical Overdue cases for collections Initiate write-off of non-recoverable accounts as per the defined policy and process Supervise 6-8 Credit Officers in the field. Manage Internal and External Risk assessment is being done for all the branches Co-ordinate with Distribution team for effective utilization of the resources Provide Audit compliances timely for the internal and external audits Recommend credit policy changes based on field insights to the senior management Involve in Areas Surveys, Area Cross check and review of Negative areas Train Distribution and Credit on the policy and processes, new technology changes etc. Engage with Audit and Risk team to monitor credit risk and participate in audit closure meeting Escalate field issues and Manage actions are taken as per defined Penalty Matrix Manage healthy branch portfolio through regular follow-ups and visits with delinquent / critical clients Visit FTODs, Non-starters, and prepare action for collection Execute action plan for high risk / poor scoring branches along with Distribution team Co-ordinate with other departments for effective risk management Supervise a team of 6-8 Team Lead and / or Credit Officers-IL at field Recruit good Officers and build strong Credit team in the field Customers: Work with CRM and Branch Head for effective implementation of Credit Policies and utilization of resources in the field Engage with Branch Head and State HR for trainings and refresher trainings Work with Auditors, Audit Officers and Vigilance Officers for identification of deviations in the field and to take necessary actions Discuss with Customer and staff to Understand the Customer and Field staff requirements while framing the policies and processes Engage with customer and staff to understand the customer and field staff requirements while suggesting for changes in policies and processes Co-ordinate with Branch Head & Collections Officer for effective collections management Manage credit team provides good service to customers through efficient processing of applications Recommend the right product and loan amount to the right customer Internal process : Manage adherence to all regulatory norms with respect to KYC & Documentation and Customer Selection Manage adherence to all internal policies & processes with respect to Credit Manage approvals in field are within defined Credit TAT of Group Loans Manage that the Issues and deviations are escalated appropriately to the concerned department and supervisors Highlight system risks associated with branches / areas Report/ Escalate critical issues at field in IDM / Risk Review Manage appropriate action against non-starter loan originators Manage timely & accurate submission of daily, weekly & monthly reports Learning & Performance: Train and handhold Credit Officers, CRMs and Branch Head. Monitor daily performance of the Credit Officers Monitor performance of staff against defined goals/metrics and take corrective action Manage goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees Manage adherence to training man-days/ mandatory training programs for self and reportees Manage overall staff satisfaction as per Great Place to Work Survey Manage timeliness & discipline among team & cordial relationship with IL Team Identify training needs to support the business and Provide the training with good resources Manage necessary feedback is given to team on regular basis. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Degree or Post Graduate in Commerce, Business Administration, Economics, Science or MBA/PGDM Experience (Years and Core Experience Type) 3-4 Years in Field Credit or Sales, Preferably with Team Handling Experience

Job Summary: We are seeking a skilled Credit Underwriter to join our team in evaluating loan applications from dairy farmers. The successful candidate will conduct video calls with applicants to gather financial information, analyze cash flow, and make informed decisions on loan approvals. The Credit Underwriter will also maintain accurate records, track portfolio quality, and perform loan utilization checks. Key Responsibilities: 1. Conduct Video Calls: Engage with dairy farmers via video calls to gather information on income sources, assets, household details, and liabilities. 2. Analyze Cash Flow: Evaluate applicants' cash flow to determine their ability to repay loans. 3. Make Loan Decisions: Use sound judgment and credit expertise to approve or decline loan applications. 4. Maintain Accurate Records: Keep detailed records of video calls, applicant information, and loan decisions. 5. Track Portfolio Quality: Analyze data to monitor portfolio quality, identify trends, and recommend improvements. 6. Perform Loan Utilization Checks: Verify that loan funds are being used for intended purposes. 7. Stay Up-to-Date: Maintain knowledge of credit policies, procedures, and regulatory requirements. 8. Good understanding of credit bureau reporting and bank account statements Make Loan Decisions, Track Portfolio Quality, Loan reimbursement, credit policies, Loan regulatory. Nice to have Experience working with dairy farmers or in agricultural financing - Familiarity with video conferencing tools and digital platforms - Certification in credit analysis or a related field