Credit Officer

4 days ago

Kolkata, India Arohan Full time

Form ID: AR/CHR/22-23/

JOB DESCRIPTION
1. JOB DETAILS

Position title:Credit Officer

Department:Credit Department

Reports to:Central Credit Manager (CCM)

Location:Kolkata

Band / GradeSr. Executive/Asst. Manager

  1. JOB SUMMARY

  2. Credit officer is responsible for the timely appraisal and verification of MEL/Bazaar loan.

  3. Fill all the form & formats with due quality checks, complete eligibility analysis.
  4. Conduct Tele PD/Video PD as per our policy.
  5. Check Credit Bureau reports and loan repayment ability for the customer (Borrower & Co-Borrower).
  6. Check bank statement and business proof along with validation of it.
  7. Business evaluation/Cash Flow analysis/Check Customers' Market feedback/Credentials.
  8. Loan recommendation based on income assessment/cash flow
  9. In addition to the above, the employee may also be called upon to perform other tasks as may be required from time to time.

3. JOB PROFILE5.

Description

Credit Processing

  1. Quality Check as per Credit Check list
  2. Credit Bureau Checks & check Repayment capacity
  3. Cash flow analysis and preparation of income assessment based on bank statement/ purchase bill/GST bill/supporting documents.
  4. Verification of business proof and vintage.
  5. Reference check of customer regarding business
  6. Conducting Tele PD/Video PD
  7. Recommendation based on income assessment

Training

  1. Provide training to branch staff and inductees

Portfolio management

  1. Ensures high quality portfolio by taking preventive and curative measures
  2. Helps branches in tackling over dues
  3. Keep track of product delinquency
  4. Take steps to reduce delinquency levels

Reporting and MIS entry

  1. Timely MIS reporting
  2. Review records and registers pertaining to Bazaar HTS loan maintained at the branch

4. PERFORMANCE INDICATORS

  • Business performance (Adherence to turn around time etc.)
  • Portfolio quality
  • Internal control findings
  • Feedback from reporting officer
  • Feedback from colleagues and other department

5. QUALIFICATION, EXPERIENCE, SKILLS

Minimum Qualifications: Graduate (Preferred B.com)

Minimum Experience: 5 years of credit experience in same product

Skills: Good communication and interpersonal skills

Key Competencies required: Credit appraisal experience in Micro enterprise loan

  • Credit Officer

    2 weeks ago

    Kolkata, West Bengal, India Arohan Full time ₹ 45,000 - ₹ 55,000 per year

    Form ID: AR/CHR/22-23/ JOB DESCRIPTION1. JOB DETAILSPosition title:Credit OfficerDepartment:Credit DepartmentReports to:Central Credit Manager (CCM)Location:KolkataBand / GradeSr. Executive/Asst. Manager JOB SUMMARYCredit officer is responsible for the timely appraisal and verification of MEL/Bazaar loan.Fill all the form & formats with due quality checks,...

  • Credit Control Executive

    5 days ago

    Kolkata, India Simploy Private Limited Full time

    Job Title: Credit Control Executive / ManagerLocation: KolkataIndustry: Logistics, Freight Forwarding, 3PL, Supply Chain Solutions About the Company A leading player in integrated supply chain solutions with expertise in international logistics, freight forwarding, 3PL, warehousing, distribution, contract logistics, and transportation. Key Responsibilities...

  • Credit Controller

    1 week ago

    Lake Town, Kolkata, West Bengal, India TAT HR SOLUTION Full time

    Back Office cum Credit Controller job involves managing a company's accounts receivable by assessing customer creditworthiness, setting credit limits, collecting payments, resolving billing disputes, maintaining accurate customer records, and preparing financial reports to ensure timely debt recovery and minimize bad debt exposure. The role requires strong...

  • Credit Operations Executive

    2 weeks ago

    Kolkata, India Skillenable Fintech Private Limited Full time

    **Roles & Responsibilities**: - Evaluating the creditworthiness of potential customers. - Approving and rejecting loans based on available data. - Calculating and setting loan interest rates. - Negotiating the terms of the loan with new clients. - Ensuring all loans and lending procedures comply with regulations. - Maintaining/updating records of all loan...

  • Senior Credit Operations Manager

    2 weeks ago

    Kolkata, West Bengal, India beBeeRelationship Full time ₹ 10,00,000 - ₹ 15,00,000

    Job Summary:As a senior credit management professional, you will play a pivotal role in fostering strong relationships with partner teams and ensuring seamless credit operations.Developing and maintaining effective coordination mechanisms will be key to your success, as well as providing timely support for portfolio performance and quality...

  • Specialist Officer

    7 days ago

    Kolkata, India Reputed BANK Full time

    Specialist Officer / Assistant Manager - Credit/IT – Recruitment Project 2025–26 Total vacancies: 500 Eligibility & Qualifications Credit Graduate in any discipline plus either: Full-time 2-year MBA/MMS/PGDM/PGDBM in Finance, with a minimum of 60% marks (55% for SC/ST/OBC/PwBD) OR CA / CMA (ICWA) / CS certification Desirable: Experience in PSBs or BFSI...

  • Credit Controller

    1 week ago

    Lake Town, Kolkata, West Bengal, India TAT HR SOLUTION Full time ₹ 15,000 - ₹ 1,80,000 per year

    Back Office cum Credit Controller job involves managing a company's accounts receivable by assessing customer creditworthiness, setting credit limits, collecting payments, resolving billing disputes, maintaining accurate customer records, and preparing financial reports to ensure timely debt recovery and minimize bad debt exposure. The role requires strong...

  • Credit Recovery Officer

    2 days ago

    Rajarhat, Kolkata, West Bengal, India Edward Food Research & Analysis Center Limited (EFRAC) Full time

    We are hiring for Credit recovery Executive. Experience: - 3 yrs + Location: - Rajarhat Skills: hashtag#Tally must, Bcom/Mcom, good hashtag#communication & writing skill **Job Types**: Full-time, Permanent Pay: ₹10,517.26 - ₹27,798.43 per month **Benefits**: - Cell phone reimbursement - Health insurance - Leave encashment - Provident...

  • RC - Regional Technical Manager - Mortgages Credit

    7 days ago

    Kolkata, India Axis Bank Full time

    Job Description RC - Regional Technical Manager - Mortgages Credit INTERNAL USAGE: No. of Vacancies: Reports to: Zonal Credit Manager Retail Credit Is a Team leader Team Size: Grade: SM/AVP Business: Department: Sub-Department: Retail Credit Location: About Retail Credit The Retail Credit department in the Bank is a Credit Underwriting department and...

  • Credit Officer

    2 days ago

    Kolkata, India Sarala Development & Microfinance Full time

    Age - 18 to 30 - Minimum HS - Fresher/ Experienced - Current openings - Howrah, Hooghly, Medinipur - Must have own bike & license. - Residential work place.