17 Credit Policies Jobs

We are looking for a Senior Manger Plant & Operation Finance based out of Bangalore locations to lead Finance function at plant level. This person will be responsible for handling all the Plant finance and costing related activities at plant level including statutory compliance. Team of 2-3 Finance executive will be reporting to this person. Product costing and variance analysis for the plant cost (covering RM/PM and factory overhead) Working with operation / Supply chain team on operation cost, preparation of their operating plan, tracking of actual cost against budget and reporting of variance. Identification of cost saving opportunities and working with cross functional team on cost saving projects. Supporting Finance controlling team in Statuary audits with company auditors, Tax audits (Direct and Indirect), Internal Audits and any Due Diligence audit conducted by Investors. Provide insightful information and explanation to senior executives to aid in long-term and short-term decision making. Setting up of Internal Financial Controls for the operations of company and ensuring the compliance for same. Working with operation team on new capex at plant level and tracking ROI of such investments. Building adequate inventory controls at plant level for correct reporting and valuation of inventory. Work on special projects like ERP implementation etc. 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

You have over 10 years of experience and are looking for a highly skilled and experienced Head of Audit and Assurance to lead the Audit department and manage the Audit and Risk functions of the Bank. Your responsibilities include ensuring that the Bank's operations comply with relevant laws, regulations, internal policies, and accounting standards. You will also conduct Risk Based Internal Audits (RBIA) as per RBI guidelines and RCMs developed by the Bank. Your qualifications include being a Qualified Chartered Accountant (CA) with additional qualifications in Internal Audit or Risk Management. You should have at least 10 years of post-qualification experience and 3 years in the Banking and Financial sector. Knowledge of risk management practices, methodologies, and regulatory requirements in the banking sector is essential. As the primary contact for regulatory agencies like the RBI, you will develop and implement RCMs aligned with the bank's strategy, lead the audit team, conduct risk assessments, and provide guidance on training programs. You will review and approve audit reports, ensure prompt communication of findings to management, and provide technical assistance as needed. Building strong relationships with stakeholders and assisting in the implementation of Risk Management Policy will be crucial. Your competencies should include a deep understanding of credit policies, audit principles, proficiency in audit tools and data analytics, excellent communication skills, strong leadership, project management skills, and an achievement orientation. You should be tech-savvy, have planning and organizing skills, and be located in Mumbai, Maharashtra. If you are interested, please send your resume to wafesgroup@gmail.com / wcareers7@gmail.com.,

As a Credit Underwriter, your primary responsibility will be to implement and manage credit processes for the business. This includes appraising proposals, monitoring the existing portfolio, and maintaining turnaround time for deal evaluation and processing. You will also be involved in preparing MIS reports, implementing credit policies, and conducting credit underwriting. A crucial aspect of your role will involve client interaction, including meetings and unit visits. You will be expected to provide internal customer service by addressing credit and compliance issues promptly and effectively. Close coordination with sales, collection, and operations teams will be essential to drive business growth and maintain a quality portfolio. To excel in this position, you should hold a Diploma, Degree, or MBA qualification. Your attention to detail, analytical skills, and ability to work collaboratively with cross-functional teams will be key to success in this role. If you are a proactive and results-driven professional with a passion for credit management, we encourage you to apply for this exciting opportunity.,

Responsibilities will include: Functional Expertise: You will be responsible for designing, developing, and implementing robust risk policies and procedures for Unsecured/Secured Revenue based, Supply Chain, and Invoice based financing, ensuring alignment with the organization's risk appetite and regulatory requirements. This will involve conducting comprehensive risk assessments and analysis for unsecured lending portfolios, identifying potential risks and opportunities to enhance risk-adjusted returns. You should be able to independently conduct Credit Underwriting for higher ticket size [Up to Rs. 5 Crs] proposals for Unsecured Revenue Based/Supply Chain/Invoice Financing. Additionally, overseeing credit risk management activities, BRE rules, underwriting standards, and portfolio monitoring to optimize portfolio performance is crucial. Staying updated on regulatory developments and ensuring strict compliance with relevant regulations, guidelines, and industry standards pertaining to unsecured/secured lending for Revenue Based/Supply Chain/Invoice Financing for higher ticket size will be part of your responsibilities. Collaboration with relevant stakeholders, including partners, Business Team, Operations, legal, tech, Compliance, and other support teams to integrate risk alignment with the overall organizational goal is essential. Engaging in regular Credit Quality Review, tracking key Credit Metrics, identifying and gathering critical information pertaining to Credit Risk on the lending book, and suggesting credit risk mitigation strategies as a part of regular and ad-hoc presentations to management is also required. Technical Skills: You should have expertise in Credit Underwriting [Ticket size up to Rs. 5 Crs] and Credit Policies. A strong proficiency in MS Excel and Powerpoint presentations is necessary. Creating analytical Dashboards for the Portfolio will also be part of your technical skillset. Problem Solving: Demonstrating strong analytical skills and the capability to understand complex issues to come up with mitigants/solutions is crucial. You should maintain a strictly positive attitude with a strong capability to come up with problem-solving solutions. Challenges & Decisions: You must have the capability to make prompt decisions in various situations and work towards structuring the Risk function effectively. Qualifications & Experience: Candidates with a CA/MBA (Finance) qualification and experience in Banking/NBFC Lending Business are preferred. A minimum of 15 years in Risk Policy/Banking with relevant experience of 7-8 years in Risk Policy and Credit roles, including experience in both Risk Policy and Credit Underwriting, is desirable. Skills & Know-how: Skills required for this role include Credit Underwriting for Unsecured higher ticket size [RBF/SCF], Credit Policy formulation, and a strong command over MS Excel and MS Powerpoint.,

Job Description: As a Credit Manager at our company located in Bolpur Sriniketan, you will play a crucial role in the evaluation and approval of loan applications according to our established criteria. Your responsibilities will include managing and mitigating credit risk, analyzing financial statements and credit reports, and overseeing credit operations. Additionally, you will be tasked with developing and implementing credit policies while collaborating with key stakeholders to ensure efficient credit management practices. To excel in this role, you should possess experience in Credit Management and Credit Risk Management, along with strong analytical skills and a solid proficiency in Finance. It is essential to have a deep understanding of credit operations and policies, as well as the ability to make sound decisions and solve problems effectively. Excellent communication and interpersonal skills are also key, along with the capacity to work independently while maintaining a high level of attention to detail. A Bachelor's degree in Finance, Accounting, Business, or a related field is required for this position. If you are seeking a challenging opportunity where you can leverage your expertise in credit management and risk assessment to drive the success of our operations, we encourage you to apply for this rewarding full-time on-site role as a Credit Manager.,

The role of Head of Credit for Corporate Finance at our client, a leading NBFC organization, involves leading the credit strategy and ensuring robust credit risk management for business units including SME, Supply Chain, and Leasing. Your responsibilities will include developing and implementing credit strategies tailored to specific business segments, collaborating with the executive team to align credit objectives with the company's strategy, and ensuring compliance with regulatory requirements. You will be responsible for designing and maintaining a comprehensive credit risk framework, overseeing the assessment and approval of credit proposals, and monitoring portfolio performance to identify potential risks and take corrective actions. Operational excellence will be a key focus, including establishing streamlined credit evaluation processes, implementing robust credit scoring models, and collaborating with the collections team for effective recovery strategies. As a leader, you will build and lead a high-performing credit team, foster a culture of accountability and innovation, and provide continuous training on emerging trends in credit risk management and financial technologies. Stakeholder engagement is also essential, involving close collaboration with sales, product, and finance teams to develop risk-adjusted products, as well as liaising with regulators, auditors, and other stakeholders on credit-related matters. The ideal candidate will possess professional qualifications such as CA/CMA/MBA&PGDM from a premium college or equivalent, along with a minimum of 15+ years of experience in credit risk management, preferably in SME/WC/MTL, Supply Chain Finance, and leasing domains.,

You are a proactive and detail-oriented Field Audit Officer (FAO) sought by SarvaGram to join the Internal Audit team in Maharashtra. Reporting to the Zonal Audit Manager, you will play a critical role in ensuring audit compliance in branch operations, gold loan processes, and file/document destruction protocols. Your responsibilities will include conducting hindsight audits of loan files to verify adherence to credit policies, performing Gold Infrastructure Audits focusing on storage, safety, and process compliance, and carrying out Gold Pouch Audits to ensure alignment with inventory records. You will also audit and supervise the destruction of rejected application files, closed Gold Loan (GL), and Consumer Durable (CD) loan files as per company policy, as well as physically verify Farm Mechanization assets across locations and ensure accurate record-keeping. Additionally, you will be responsible for tracking and following up on the closure of open internal audit observations, submitting timely and factual field reports with proper documentation and photographic evidence, and coordinating with branches and zonal teams for audit-related queries and rectifications. To qualify for this role, you should be a graduate in Commerce, Finance, or a related field with prior audit experience in NBFC/BFSI preferred. You should have a strong understanding of lending products, be willing to travel extensively within assigned zones, be proficient in MS Office (especially Excel) and audit tools, and possess strong attention to detail and integrity in field reporting. Joining SarvaGram means being part of a mission-driven, growing financial services company focused on rural transformation. You will have the opportunity to work closely with Credit, Operations, and Risk teams in a dynamic work environment that offers learning and development opportunities.,

You have an opportunity to join as the Head of Audit and Assurance in a reputed bank based in Mumbai, Maharashtra. As a highly skilled and experienced professional with a minimum of 10-15 years of experience, preferably in banking, you will be responsible for leading the Audit department and managing the Audit and Risk functions of the bank. Your main responsibilities include ensuring that the bank's operations comply with all relevant laws, regulations, internal policies, procedures, and accounting standards. You will conduct Risk Based Internal Audits (RBIA) following the guidelines of the Reserve Bank of India (RBI) and using Risk Control Matrices (RCMs) developed by the bank. Your strong track record of success in a similar role, particularly in a Co-Operative Bank, Small Finance Bank (SFB), or NBFC, will be advantageous. To qualify for this role, you should be a Qualified Chartered Accountant (CA) with additional qualifications in Internal Audit or a Certificate in Risk Management. You must have at least 10 years of post-qualification experience, with a minimum of 3 years in the Banking and Financial sector (BFSI). Knowledge of risk management practices, methodologies, and regulatory requirements in the banking sector is essential. As the Head of Audit and Assurance, you will act as the primary point of contact for regulatory agencies, develop and implement Risk and Control Matrices (RCMs), lead and manage the audit team, conduct risk assessments, provide guidance and training programs for bank staff, review and approve audit reports, ensure prompt communication of audit findings to management, provide technical assistance with investigations, and build strong relationships with key stakeholders. Your functional and behavioral competencies should include a deep understanding of credit policies, strong knowledge of audit principles, proficiency in audit tools and data analytics, excellent communication and interpersonal skills, strong leadership and project management skills, achievement orientation, planning and organizing skills, and tech-savviness. If you are interested in this challenging role, please send your resume to wafesgroup@gmail.com or wcareers7@gmail.com.,

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.,

Job Description Job Role: The incumbent will work directly with Commercial Banking Market Coverage and Specialized Industries nCino end-users, answering their questions about how to accomplish credit tasks most efficiently within the system and in compliance with business process and credit policies Work with CB OPMT product team to identify end-user pain points and obstacles as well as provide ongoing feedback related to trends and workarounds, and suggest potential solutions Serve as part of the ongoing User Acceptance Testing (UAT) group that completes extensive system testing prior to each quarterly release Review line of business and product team nCino procedures and job aides prior to publication for accuracy, provide feedback regarding ease of use and understanding Minimum Qualifications : MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics 4 - 6 years of overall commercial credit experience across diversified asset classes (includes corporate entities and real estate asset class) Desired qualifications : Underwriting and portfolio management experience working with commercial banking relationships Knowledge of credit process and proficiency at identifying and applying appropriate business procedures to credit underwriting and portfolio management processes Knowledge of credit policies applicable to commercial banking relationships/ transactions and proficiency at identifying and interpreting requirements to credit actions Hands-on experience with existing commercial banking credit systems and platforms, which may include but is not limited to Asset Rating Tool, Commercial Collateral Management, CreditView, BLAST, nCino, Optimist, EZ-Request, Electronic Tracking Reporting and Compliance Validation system (E-TRAC), Loan Validator Tool, Post Booking Certification, Credit Work Tracker, and Relationship View Previous experience working with other employees to help them learn new processes, procedures and/or technology applications Demonstrated effective communications skills

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