Credit Life

2 weeks ago


Pune, Maharashtra, India Lineup Manpower Solutions Private Limited Full time
Job Description

Canara HSBC Life Isnurance Company ltd.

Des : Credit Life -GIC Housing Finance

Ctc : 4.5 lpa

Key Responsibilities

- Project Planning and Execution:A Credit Officer is responsible for planning and executing credit-related projects, including assessing credit applications, setting credit limits, and monitoring credit risk exposure.
- Problem-Solving and Decision-Making:This role involves resolving credit disputes, making decisions on credit extensions, and managing collections processes efficiently.
- Collaboration with Cross-Functional Teams:Credit Officers work closely with sales teams to understand customer needs, finance teams to ensure accurate financial reporting, and legal teams for compliance matters.
- Leadership and Mentorship:Senior Credit Officers may provide leadership to junior team members, offering guidance on credit analysis techniques and risk assessment.
- Process Improvement and Innovation:Constantly seeking ways to streamline credit processes, adopt new technologies for credit assessment, and improve overall credit management practices.

Technical or Customer-Facing Responsibilities:Handling customer inquiries related to credit terms, negotiating payment arrangements, and providing credit advice to internal and external stakeholders.Required Skills and Qualifications

- Technical Skills:Proficiency in credit analysis software, financial modeling, risk assessment tools, Excel, and knowledge of credit reporting bureaus.
- Educational Requirements:Bachelor's degree in Finance, Accounting, Business Administration, or a related field. Certification in credit analysis or risk management is a plus.
- Experience Level:3+ years of experience in credit analysis, risk management, or financial services. Experience in a lending institution or credit department is preferred.
- Soft Skills:Strong communication skills, attention to detail, analytical thinking, ability to work under pressure, and a customer-centric approach.
- Industry Knowledge:Understanding of credit laws, regulations, and compliance requirements. Knowledge of industry-specific credit practices and standards.
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