Credit Manager
2 weeks ago
Job Description
Job purpose:
The key purpose is to determine whether the borrower is eligible for financing and the requested credit POS Loan facility is in line with the bank’s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC) by conducting detailed Credit analysis and assessment of POS credit applications.
Key Accountabilities:
Review, Analyse and prepare credit memo with all customer details. Initiate field visit for customers who are eligible for loan after initial analysis. Recommend and prepare loan proposals keeping in mind the policies, procedures, and standard operating procedures in mind. Adhere to and comply with departmental policies, processes, standard operating procedures, and practices so that work is carried out in a smooth and methodical manner. Exhibit consistency with organization’s values and ethics always to demonstrate a value driven culture within the bank. Contribute towards continuous improvement and sustainability of systems, processes, and methods in line with changing needs and requirements to efficiently carry out our duties.Job Context:
Analyse client’s financial statements – bank statements and/or Audited Financial Statements, investigate the client’s credit history/credit reports to meet bank’s lending standards. Possess thorough in-depth knowledge on financials – includes verifying figures, cash flow data, income statement. Analyzing different ratios and presenting financial analysis to the delegated authority. Ensure completeness and correctness of documentation to avoid fraud. In depth analysis of all loan related to borrower’s financial ratios like turnover ratios, debt service coverage ratio to ensure error free underwriting and ensuring that loan amount proposed is in line with policy of the bank. Review and analyze restructure requests given by existing loan customers and recommend restructure in line with bank’s policy. Review deferral/waiver requests given by existing customers and recommend the same keeping in mind the credit risk involved. Process of loan applications and service requests efficiently and within agreed timelines. Verify checks through various FAB application systems like: OBIEE, Vision Plus, Globus, Intellect, Customer Connect & also from external systems like: AECB, Central bank checks (CBRB & CRS) & Firco. To work under pressure without compromise on quality. Ensure that all the approved loans and proposal related documents are complete and shared in the common folder to safeguard any missing or misplaced documents. To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.
Qualifications
Qualification:
Minimum Education required: Minimum bachelor’s degree preferably in Finance/Banking/ Commerce.Experience:
Minimum 10 years in Credit and/or Banking experience.-
Credit Manager
1 month ago
bangalore, India Propelld Full timeOverview: We are seeking an experienced and detail-oriented Credit Manager to join our growing team at Propelld. The Credit Manager will play a crucial role in evaluating and managing credit risks associated with our student lending portfolio. This individual will be responsible for assessing creditworthiness, developing credit policies, and ensuring...
-
Credit Manager
2 weeks ago
bangalore, India HDFC Credila Financial Services Limited Full timeJob DescriptionThe Credit Manager will report to the Area Credit manager and be responsible for assessing Educational Loan applications from students and underwriting the same in accordance with the credit policy.Responsibilities1) Maintaining Credit Quality as desired by the Senior ManagementManaging respective vendors for maintaining quality and TAT for...
-
Credit Manager
2 days ago
bangalore, India CredAble Full timeLocations Opened - Bangalore, Delhi - NCR , Mumbai.(Chembur) - Work from officeOverview of the FunctionThe Credit team is responsible for detailed risk evaluation of clients and discussion with management/bankers of borrowers, preparation of CAN (Credit Appraisal Note), discussion with internal stakeholders, and ongoing account monitoring.Best things about...
-
Namaste Credit
2 weeks ago
Bangalore, India Namaste Credit Full timeWe're constantly looking for bright young professionals to join our team to help us create a better loan experience all across India. If you fit the bill, come join us today!About the Company : We are a technology firm, passionate to change the way SME lending functions in developing markets. We are significantly changing the ecosystem by disrupting the...
-
Namaste Credit
2 months ago
Bangalore, India Namaste Credit Full timeWe're constantly looking for bright young professionals to join our team to help us create a better loan experience all across India. If you fit the bill, come join us today!About the Company : We are a technology firm, passionate to change the way SME lending functions in developing markets. We are significantly changing the ecosystem by disrupting the...
-
Credit Manager
2 weeks ago
bangalore, India Vivriti Capital Full timeRole - Credit Manager / Senior Credit ManagerLocation - Bangalore / Chennai / MumbaiAbout the Team:Credit team facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients’ performance on a regular basis, and making suitable recommendations to the credit committees.The team is expected to do a deep dive financial analysis...
-
Manager - Data Analytics & Engineering
2 weeks ago
Bangalore, India Credit Saison Full timeAbout Credit Saison:A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of...
-
Manager - Data Analytics & Engineering
3 days ago
Bangalore, Karnataka, India Credit Saison Full timeAbout Credit Saison:A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals,...
-
Manager - Data Analytics & Engineering
2 days ago
bangalore, India Credit Saison Full timeAbout Credit Saison:A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs,...
-
Credit Manager
2 days ago
Bangalore City, India CredAble Full timeLocations Opened Bangalore, Delhi NCR, Mumbai.(Chembur) Work from officeOverview of the FunctionThe Credit team is responsible for detailed risk evaluation of clients and discussion with management/bankers of borrowers, preparation of CAN (Credit Appraisal Note), discussion with internal stakeholders, and ongoing account monitoring.Best things about the job:...
-
Credit Manager
1 month ago
Bangalore Metropolitan Area, India Propelld Full timeOverview:We are seeking an experienced and detail-oriented Credit Manager to join our growing team at Propelld. The Credit Manager will play a crucial role in evaluating and managing credit risks associated with our student lending portfolio. This individual will be responsible for assessing creditworthiness, developing credit policies, and ensuring...
-
Credit Manager
2 weeks ago
Bangalore Metropolitan Area, India Propelld Full timeOverview:We are seeking an experienced and detail-oriented Credit Manager to join our growing team at Propelld. The Credit Manager will play a crucial role in evaluating and managing credit risks associated with our student lending portfolio. This individual will be responsible for assessing creditworthiness, developing credit policies, and ensuring...
-
Senior Manager-Risk
4 days ago
bangalore, India Credit Saison India Full timeAbout Credit Saison India: Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and...
-
Regional Credit Manager
2 months ago
bangalore, India White Force Full timeJob Description: Job TitleRegional Credit Manager Reporting toHead-Credit LocationBangalore Purpose of the PositionTo lead the regional credit management function and oversee the underwriting / credit control of all loan files Responsibility ExecutionSup'vn 1Sup'vn 2 To achieve disbursement target as per the business plan To take prudent credit...
-
Regional Credit Manager
2 weeks ago
bangalore, India White Force Full timeJob Description: Job TitleRegional Credit Manager Reporting toHead-Credit LocationBangalore Purpose of the PositionTo lead the regional credit management function and oversee the underwriting / credit control of all loan files Responsibility ExecutionSup'vn 1Sup'vn 2 To achieve disbursement target as per the business plan To take prudent credit...
-
Collection Manager- Credit
4 weeks ago
bangalore, India PeopleLogic Full timeAbout the CustomerCompany is one of the most data-centric and agile companies in the B2B e-commerce domain.About the RoleDesignation : Collection Manager- CreditWork Location: BangaloreWork Experience: 3- 8 Years of experienceCollections managers oversee the credit and collections activities of an organization. They manage the collection of...
-
Collection Manager- Credit
2 weeks ago
bangalore, India PeopleLogic Full timeAbout the CustomerCompany is one of the most data-centric and agile companies in the B2B e-commerce domain.About the RoleDesignation : Collection Manager- CreditWork Location: BangaloreWork Experience: 3- 8 Years of experienceCollections managers oversee the credit and collections activities of an organization. They manage the collection of...
-
Credit Portfolio Manager
2 weeks ago
bangalore, India Swiss Re Full timeAbout the Role : Your will contribute towards; Development of new monitoring and portfolio analysis techniques from both risk and profitability perspective using powerful data platforms . Development of tools and processes used for credit portfolio monitoring and steering . Generation of data insights for senior management...
-
VP- Credit Management
4 weeks ago
bangalore, India First Abu Dhabi Bank Full timeJob Description Job Purpose: The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for a portfolio of Corporate & Commercial clients. The role also entails compliance with all credit policies and guidelines. Key Accountabilities: Generic Accountability Guide a team of analyst to...
-
VP- Credit Management
2 days ago
bangalore, India First Abu Dhabi Bank Full timeJob Description Job Purpose: The purpose of the job is to prepare, review and provide appropriate recommendation of credit facilities for a portfolio of Corporate & Commercial clients. The role also entails compliance with all credit policies and guidelines. Key Accountabilities: Generic Accountability Guide a team of analyst to...
