Credit Officer

7 days ago

Dwarka Delhi Delhi, India Mahashakti Financiers Ltd. Full time

**Credit Officer**

**Location**: Delhi

**Department**: Credit

**Reports To**: Team Leader

**Job Overview**:
**Key Responsibilities: Loan Processing & Credit Assessment**:

- Ensure compliance with company credit policies, RBI/NBFC guidelines, and regulatory norms.

**Documentation pre-Loan Disbursement**:

- Verify KYC, salary slips, bank statements, and other loan agreements before disbursement.
- Assess borrowers' nature and intentions for loan repayment based on online chats/telephonic conversations.
- Educate borrowers on loan terms, repayment schedules, and penalties.
- Coordinate with finance teams for timely loan disbursements.

**Collections & Recovery**:

- Monitor active loans and track overdue accounts.
- Negotiate repayment plans and settlements to optimize recovery.
- Escalate non-recoverable loans to recovery teams if necessary.

**Customer Relationship Management**:

- Maintain strong customer relationships to improve repayment rates.
- Address borrower queries and educate them on responsible borrowing.

**Qualifications & Skills**:

- **Education**: Bachelor’s degree in Finance, Commerce, Accounting, or a related field.
- **Experience**: Preference for experience in credit assessment & collections (NBFC/ loans).
- **Technical Skills**: Working knowledge in MS Excel, Credit bureau (CIBIL) reports and Bank transactions analysis.
- **Soft Skills**: Good analytical, negotiation, and communication skills.
- **Key Competencies**: Quick decision-making, problem-solving, and adaptability in dynamic financial environments.

**Work Conditions**:

- Fixed working hours (10 AM to 6 PM, 06 days a week).

**Job Types**: Full-time, Permanent

Pay: ₹18,000.00 - ₹22,000.00 per month

**Benefits**:

- Paid sick time
- Provident Fund

Schedule:

- Day shift

Work Location: In person

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