Credit Processing Associate

**Job Title: Credit Processing Associate (CPA)**

**Department**: Operations

**Location**: Hoshiarpur, Punjab

**Job Summary**

The Credit Processing Associate is responsible for handling end-to-end processing of LAP files — from login and credit report initiation to disbursal and post-disbursal documentation. The role requires accuracy, compliance, and coordination with internal teams to ensure smooth loan processing within defined TATs.

**Key Responsibilities**

**1. LAP File Login**
- Receive and log LAP files into the system.
- Verify completeness of required documentation before login.
- Maintain accurate physical and digital file records.

**2. Credit Report Initiation**
- Initiate and obtain credit bureau reports (CIBIL).
- Review reports and escalate any discrepancies.
- Coordinate with the credit team for evaluation.

**3. LAP File Disbursal**
- Process files for disbursal in line with approval terms.
- Liaise with finance/operations for fund release.
- Ensure all pre-disbursal conditions are met.

**4. Post-Disbursal Data Preparation**
- Prepare and maintain post-disbursal documentation and MIS reports.
- Archive records in compliance with company and regulatory guidelines.
- Assist in audits and internal compliance checks.

**5. Compliance & Process Adherence**
- Follow company policies and regulatory requirements in all processes.
- Ensure adherence to defined turnaround times (TATs) for each stage.

**Required Skills & Qualifications**
- Graduate in Commerce, Finance, or related discipline.
- 1-3 years’ experience in loan processing/credit operations (LAP experience preferred).
- Knowledge of loan documentation, credit reports, and banking processes.
- Proficiency in MS Office (Excel, Word, Outlook).
- Strong attention to detail and accuracy.
- Good communication and coordination skills.

Pay: ₹18,000.00 - ₹25,000.00 per month

**Benefits**:

- Provident Fund

Work Location: In person