107 Credit Processing Jobs

Job Title: Credit Officer, PL/MSME/Business Loan Location: Ahmedabad Key Responsibilities: Evaluate loan files (PL/MSME/BL) with a focus on Login to Recommendation TAT. Conduct PD/site visits, ensure policy adherence & audit compliance. Maintain credit MIS & monitor PDDs/documents. Control delinquency within budgeted limits. Review hindsight errors and ensure corrective action. Collections for a smooth workflow. Manage costs and support overall portfolio quality. Requirements: Graduate/Postgraduate (Finance/Commerce). 24 years in Personal / MSME / Business Loan credit. Strong credit assessment & risk skills. Good communication & MS Office proficiency. Contact Person: Ami Soni (8511015682 / ta_hr14@mas.co.in)

Job DescriptionYou will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needsQualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Job DescriptionYou will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needsQualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Role & responsibilities Perform initial appraisal of potential borrowers by thoroughly examining their applications Interview applicants to evaluate their eligibility for personal loan or business loans Conclude on all applicable financial and non-financial criteria Follow up with clients to clarify important points Review and evaluate loan applications and ensure completeness of documentation. Assess creditworthiness of applicants and determine loan eligibility. Analyze credit risk and make recommendations on loan approvals and rejections. Ensure compliance with company policies and regulatory requirements. Manage the loan disbursement process and ensure timely delivery of funds. Monitor loan accounts and ensure timely repayments. Maintain accurate records and documentation of loan transactions. Provide excellent customer service to borrowers and resolve any queries or issues. Preferred candidate profile

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs. Qualifications - Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities - Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability. Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production. Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts. Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis. Support the marketing and product team with their data needs. Qualifications - Fluency in SQL and R/Python. Previous experience in analytics and/or quantitative modeling, using large datasets. Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills. 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones.

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Task performed Ensure AP Ref no.if generated as soon as a file is logged in Ensure CPV, neighbor check, Financiary reference check and TVR is done after CIBIL Recommends and forwards to appropriate authority basis limits, deviation, and deferral. Does PD for every single customer. Take various market references and build touch points for customer reference. Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact Review of credit files as per policy Co-ordinate with FCU for setting up specific triggers Ensure approval tracker is given to Business Basis product to do CFA and ABB. Relook at cases which have been rejected basis merit Clear the various exception raised. Review portfolio every month with respect to ODs / losses / fraud for the period underwritten with respect to the following Bucketwise OD’s being within the triggers OD’s within the budgeted figure Customers TOD level within acceptable norms Non Starter at minimum level Negligible skip / fraud cases Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation, besides ensuring dispatch of the physical file. Ensure the completed document is moved into the Operations Queue Reviews credit admin activities to ensure the activities like RMU movement, filing of charge, agreement filling, stock and book debt audit, legal dox review , regular information on deviations, deferrals to central unit etc are completed within stipulated time frame. Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions.

JD - Credit Processing Associate Experience : 1 to 2 years of experience in loan processing or credit operations preferred Freshers with good communication and basic banking knowledge can also apply. Job responsibilities: Process loan application as per policy. Maintain file data in Centralized MIS and sales source Check and verify KYC, income and properly documents Coordinate with BC (BSS Microfinance) credit team and sale team Prepare application summary for credit approval. Highlight any risk or mismatch to credit manager Track pending documents and ensure timely follow-up Ensure rejection message are sent to customer and records are maintained Monitor TAT (turnround time) and escalate delays if needed Maintain proper digital and physical file records Skills Required: Knowledge of loan documentation and credit process Familiarity with Sales source and Centralized MIS Good Excel and communication skills Team coordination and follow-up ability

Collaborate with department heads to understand their staffing needs and job requirements. Manager and maintain TA databases, and prepare relevant dashboards. Utilize various sourcing methods, such as job portals, social media, networking, and referrals, to identify potential candidates. Create compelling job postings and advertisements to attract qualified candidates. Review resumes and applications, conduct preliminary screenings, and assess candidate qualifications and suitability for the position. Conduct phone or inperson interviews to evaluate candidates' skills, experience, and cultural fit. Schedule and coordinate interviews between candidates and interview panels. Provide guidance and support to both candidates and hiring teams throughout the interview process. Administer and evaluate pre-employment assessments, tests, or other screening methods to assess candidates' skills, aptitude, and compatibility with the role and organization. Facilitate the offer process by extending offers to selected candidates and negotiating compensation packages. Collaborate with other departmental heads and onboarding, to ensure a smooth transition for new hires. Stay informed about the latest recruitment trends, techniques, and best practices. Continuously improve recruitment processes and strategies to attract top talent.

Responsible for credit underwriting, credit appraisal of secured and unsecured products. Ensuring adherence to credit policy and KYC policy. Pre Screening of documents uploaded in the portal. Handling of detail data entry in portal. Verifying all KYC's and financial documents of the borrower. Verifying online RIC process. CAM preparation and capturing of appropriate deviations in the CAM. Coordinating with business team to resolve queries. Escalating loan applications to Credit Manager/Area Credit Manager for loan approvals.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-6 years of experience in the field. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements. Develop and implement effective credit policies and procedures to minimize risk. Conduct thorough credit assessments and provide recommendations for loan approvals or denials. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement. Ensure adherence to internal controls and audit guidelines. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills with attention to detail. Ability to work effectively in a fast-paced environment with multiple priorities. Strong communication and interpersonal skills, with the ability to build relationships with stakeholders. Experience in managing credit portfolios and analyzing performance metrics. Familiarity with regulatory requirements and industry standards related to credit management.

Job Duties: • Credit recommending and sanctioning authority, responsible for analysis of loans as per the Policy Manual • Accountable for the credit quality of the loan underwritten and portfolio, including the due diligence, of the portfolio included in their markets. • Ensuring accurate and appropriate analysis of applicant's credentials, including financial analysis & various associated financial ratios for credit decision, as per the Policy Manual. • Responsible for initiating personal Discussion before recommending proposal besides recording all the factual events/observations/discussions to facilitate credit decision by the sanctioning authority • Preparing and monitoring system related MIS and data updating for the requirement of the administration of the loans as per the Loan Policy Manual. • Being the first person verifying the post disbursement documentation completion and compliance of all conditions including the sanction terms and conditions stipulated on deals. • Visits to outstation branches/units as per the instructions of the competent authority in relation to the matters connected with Credit Appraisal/PD/Sanction matters. Required Skills: • Excellent communication and interpersonal skills • Ability to communicate and function professionally with all levels of personnel and Business partners across the organization • Excellent customer contact skills; comfortable asking questions/ interviewing customers about their financial situation • Able to take full ownership of issues until they are completely resolved • Attention to detail • Good observation and listening skills Education Qualification: Candidate should have completed Graduation - Prefer local candidate only.

Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP Business Ensure appropriate judgement is taken on the credit proposals to ensure the quality of portfolio Understand credit policy and processes as well as credit environment Ensure detailed PD is done for all the proposals Further few customers need to be physically visited inline with requirement Ensure the quality of Credit approval note and the Credit approval mails Ensure the TAT for all the proposals is maintained inline with the prescribed standards Ensure the productivity for underwriting proposals is maintained inline with the prescribed standards Ensure all MIS is maintained timely and correctly Contribute to the new project initiatives Qualifications CA/Post-graduate in Finance Functional Skills Attention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience 3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP Business Ensure appropriate judgement is taken on the credit proposals to ensure the quality of portfolio Understand credit policy and processes as well as credit environment Ensure detailed PD is done for all the proposals Further few customers need to be physically visited inline with requirement Ensure the quality of Credit approval note and the Credit approval mails Ensure the TAT for all the proposals is maintained inline with the prescribed standards Ensure the productivity for underwriting proposals is maintained inline with the prescribed standards Ensure all MIS is maintained timely and correctly Contribute to the new project initiatives Qualifications CA/Post-graduate in Finance Functional Skills Attention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience 3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

Role & responsibilities Conduct thorough credit assessments for TW & PL Loan applications. Ensure high quality and performance of the loan portfolio. Meet credit assessment targets within specified TAT. Ensure adherence to audit and regulatory standards at the location. Assist in coordinating and managing vendors for risk control and verification processes. Make well-informed lending decisions based on applicant interactions and available data. Collaborate closely with sales, operations, collections, and policy teams to ensure smooth operations. Maintain databases and prepare monthly reports on loan cases. Coordinate with agencies to sample and screen loan files effectively for fraud prevention. Manage cost efficiency in credit administration processes. Preferred candidate profile Having loan sanctioning authority. Interested candidates can send their resume to: tejashreer@manbafinance.com & dhwanid@manbafinance.com For more info, contact us at: 8657020233

Role & responsibilities Responsible for credit underwriting, credit appraisal of secured and unsecured products. Ensuring adherence to credit policy and KYC policy. Pre Screening of documents uploaded in the portal. Handling of detail data entry in portal. Verifying all KYC's and financial documents of the borrower. Verifying online RIC process. CAM preparation and capturing of appropriate deviations in the CAM. Coordinating with business team to resolve queries. Escalating loan applications to Credit Manager/Area Credit Manager for loan approvals. Preferred candidate profile Language - Kanada is must

Managing credit operations Evaluate creditworthiness of potential clients Liaise with other departments to ensure smooth processes Team handling Comfortable in travelling Appraising, decisioning cases with utmost due diligence within agreed TAT

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit risk management strategies to minimize losses. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Monitor and analyze credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure adherence to all relevant laws, regulations, and industry standards related to credit management. Job Requirements Strong knowledge of credit underwriting principles, including credit scoring and risk modeling. Experience working with affordable housing products, such as home loans and LAP. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong collaboration with stakeholders. Ability to work in a fast-paced environment, meeting deadlines and delivering high-quality results. Proficiency in credit management systems and software applications, with strong technical skills.

We are looking for a highly skilled and experienced Area Credit Manager to join our team at Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the credit function within the bank's affordable housing portfolio. Develop and implement strategies to enhance credit quality and minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Conduct regular credit reviews and provide recommendations for improvement. Ensure compliance with regulatory requirements and internal policies. Analyze market trends and competitor activity to identify opportunities for growth. Job Requirements Strong knowledge of credit underwriting, risk assessment, and credit management principles. Experience working with affordable housing products, including housing loans and mortgage finance. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong collaboration with stakeholders. Ability to work in a fast-paced environment and meet deadlines. Strong understanding of financial regulations and compliance requirements.

The SCA will be responsible for structuring working capital and term loan cases, validating CMA data, preparing investor/lender pitch decks, and ensuring bank ready documentation for all client mandates across company’s credit-related verticals.

Key Responsibilities: Manage and oversee all aspects of credit operations for LAP at the branch level. Evaluate loan applications, conduct due diligence, and assess the creditworthiness of potential customers. Ensure the timely and accurate processing of loan proposals and documentation. Monitor loan disbursements, repayments, and portfolio performance. Ensure compliance with internal policies, regulatory guidelines, and risk management frameworks. Guide and mentor branch credit officers to enhance team performance and customer satisfaction. Collaborate with the sales team to drive loan growth and business targets. Regularly review the portfolio for non-performing assets (NPA) and implement corrective actions.

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT / Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies / Infants Job Requirements : CA Inter / CA / MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)