Centralized Credit Underwriting Officer

3 weeks ago


Noida, Uttar Pradesh, India Axis Bank Full time

Job Summary:

We are seeking a skilled Centralized Credit Underwriting Officer - Retail Credit to join our team at Axis Bank. As a key member of our credit operations team, you will be responsible for managing the pan-India credit appraisal process for personal loans, auto loans, and credit cards.

Key Responsibilities:

  • Manage underwriting process for retail assets and credit cards within the retail lending and payments vertical.
  • Appraise or underwrite loans within defined policy guidelines and make recommendations for approval to appropriate authorities.
  • Evaluate credit risk parameters and develop strategies to mitigate risks.
  • Prepare credit approval memos and ensure adherence to laid-down policies and procedures.
  • Monitor and improve key performance indicators such as TAT and approval rates.

Qualifications:

To be successful in this role, you should possess:

  • A postgraduate or graduate degree.
  • Strong analytical and problem-solving skills.
  • Excellent communication and interpersonal skills.
  • Ability to work in a fast-paced environment and meet deadlines.

Role Proficiencies:

This role requires:

  • Cost reduction and process improvements.
  • Turnaround time (TAT) management.
  • Productivity and efficiency.
  • Vendor management and stakeholder feedback.
  • Error rate management.

About Us:

Axis Bank is a leading banking and financial services organization in India, providing a wide range of products and services to individuals and businesses.



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