Senior Credit Officer
20 hours ago
Job Title: Senior Credit Officer
About the RoleIn this critical role, you will be responsible for appraising loan proposals, inspecting relevant documents, and conducting risk analysis to ensure the integrity of our portfolio.
You will be expected to sanction loans within defined timelines, arranging training as required, and continuously improving processes to meet market needs.
Key Responsibilities- Approval Rates: Review and optimize approval rates based on targets for each location and product type.
- Turnaround Time (TAT): Ensure timely loan processing from login to sanction, with a focus on all products and secured loans.
- Risk Management: Identify and mitigate potential risks, ensuring compliance with regulatory guidelines and norms.
- Audit & Compliance: Conduct regular audits and maintain accuracy in PSL at the product level.
- Training & Process Improvement: Provide support to existing CPCs, participate in pilot runs, and contribute to policy feedback and vendor management.
To succeed in this role, you should possess a CA or MBA Finance degree with expertise in credit appraisal. Additionally, you should have working knowledge of retail banking products, regulatory guidelines, and customer service handling.
You should also possess excellent communication skills in both English and the local language, as well as the ability to handle pressure and meet deadlines.
Estimated Salary: ₹ 8,50,000 - ₹ 10,00,000 per annumLocation: Mumbai-
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