Financial Services Specialist

3 days ago

Kovilpatti Chennai Kanchipuram, India beBeeCredit Full time ₹ 4,50,000 - ₹ 9,00,000
Job Title: Financial Services SpecialistKey Responsibilities:
  • Credit Evaluation:
  • We assess the creditworthiness of customers applying for auto loans by reviewing their financial profiles, credit history, and loan repayment capacity.
  • Conduct thorough checks, including background and reference verification, to ensure accurate decision-making.
  • Loan Application Processing:
  • We review and validate loan applications for completeness and compliance with our policies and regulatory requirements.
  • Evaluate all documentation in place for loan disbursement.
  • Risk Analysis:
  • We identify and evaluate potential risks associated with lending to applicants.
  • Utilize risk management tools and models to minimize credit risk exposure.
  • Approval and Rejection of Loans:
  • Approve or reject auto loan applications based on analysis, credit policies, and risk assessment criteria.
  • Ensure timely communication with customers regarding loan approval or rejection.
  • Loan Structuring:
  • We recommend suitable loan structures, terms, and interest rates based on customer profiles and internal policies.
  • Collaboration with Sales Team:
  • We work closely with the sales and relationship management teams to ensure that loan products meet customer needs and expectations.
  • Provide support for any questions or concerns related to loan terms, conditions, and eligibility.
  • Compliance and Regulatory Adherence:
  • We ensure compliance with our internal policies, local regulations, and industry standards.
  • Stay updated with the latest regulatory changes impacting auto loans.
  • Customer Interaction:
  • Assist customers with loan-related queries, provide information on loan products, and guide them through the loan application process.
  • Foster positive relationships with customers to encourage repeat business and enhance customer satisfaction.
  • Performance Monitoring:
  • We monitor loan portfolio performance, including assessing the timely repayment of loans.
  • Identify delinquent accounts and recommend appropriate action in line with our policies.
  • Reporting:
  • Generate regular reports on loan performance, outstanding balances, and credit quality.
  • Provide insights into loan trends, customer behaviors, and any areas for improvement.
Required Skills and Qualifications:

A degree in a relevant field such as finance or banking is required. Strong analytical and problem-solving skills are essential, as well as excellent communication and interpersonal skills.

The ideal candidate will have experience in credit evaluation, risk management, and loan processing. They will be knowledgeable about relevant laws and regulations and able to maintain confidentiality.

Benefits:

This role offers a competitive salary and benefits package, including health insurance, retirement plan, and paid time off.

The successful candidate will also receive ongoing training and development opportunities to enhance their skills and career progression.

Others:

We are an equal opportunities employer and welcome applications from diverse candidates.

If you are a motivated and organized individual looking for a challenging role, please apply with your CV and cover letter.

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