Credit Officer

Company Description

Ujjivan Small Finance Bank Limited, a subsidiary of Ujjivan Financial Services Ltd., commenced operations on February 1, 2017, and attained Scheduled Bank status in August 2017. The bank operates across 752 branches in 26 states and union territories, with a mission to provide financial access to underserved and unserved customers excluded from formal banking systems. Ujjivan is dedicated to becoming a leading mass-market bank that delivers innovative and inclusive financial services, fostering financial growth and empowerment. For more information, review the social media privacy policy at their website.

Role Description

This is a full-time, on-site role for a Credit Officer located in Aligarh. The Credit Officer will be responsible for evaluating loan applications, assessing creditworthiness, conducting credit risk analyses, and ensuring timely processing of loan approvals. The individual will interact with potential borrowers, perform thorough field verifications, and maintain compliance with the bank's credit policies and procedures. This role plays a key part in supporting financial inclusion by enabling access to credit for underserved populations.

Qualifications

• Strong analytical skills for credit analysis and financial assessment
• Excellent communication and interpersonal skills for engaging with customers
• Attention to detail and accuracy in processing loan-related documentation
• Ability to conduct field verifications and provide timely reports
• Understanding of banking regulations, credit policies, and risk management practices
• Proficient in using banking software and tools for data analysis and reporting
• Prior experience in banking, finance, or credit assessment is a plus
• Bachelor's degree in Finance, Economics, Business Administration, or a related field