Analyst, Specialist, Credit Approval, Risk Management Group
3 days ago
Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.Job Purpose* To give effective credit support for meeting the business targets.* To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India.* To approve credit applications as per DOA judiciously.* Ensuring that quality of Bank's exposure in India is acceptable at all time.* Provide guidance to the team of relationship managers on areas of policy and processes.Key Accountabilities: * Underwiring the files as per laid down policy and process and other controls, etc for CLAP business* To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks.* To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner.* To have a sound knowledge of the respective market especially C-LAP customer segment in terms of risks associated with this product.* Vendor Management (Legal, Technical and others if applicable)* To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.* To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.Job Duties and Responsibilities: * Set up policy / processes for CLAP.* Approve Mortgage applications for his respective branch / location / region.* Portfolio monitoring / tracking & escalation of adverse new events in the portfolio.* Ensure meticulous compliance with Bank's internal credit policy as well as regulatory guidelines.* Ensure compliance with the benchmark Turnaround Time.* Ensure proper guidance / support to the team of relationship managers. * Ensure processing of files within agreed timelinesRequirements* Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers).* Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc.* along with sound domain knowledge of the mortgages business and market.Core Competencies* Good analytical skills* Good presentation skills* Good interpersonal skills* Good knowledge of the industryTechnical Competencies* Sound knowledge of policies / lending frameworks followed for this product.* Good knowledge of credit evaluation methods, tools & techniques* Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.* Knowledge of various banking products and risks associated with them* Adequate local knowledge of properties for cities in which he operatesWork RelationshipGood working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and other external agencies.
-
Credit Manager
7 days ago
Vijayawada, Andhra Pradesh, India Kanakadurga Finance Limited Full time ₹ 9,00,000 - ₹ 12,00,000 per yearCompany DescriptionKanakadurga Finance is a financial services company located in Vijayawada, Andhra Pradesh, India. We are dedicated to delivering exceptional financial solutions tailored to meet our clients' needs. Our strategic location and commitment to excellence have established us as a trusted name in the financial services industry.Role...
-
Credit Manager
2 weeks ago
Vijayawada, Andhra Pradesh, India Kotak Mahindra Bank Full time ₹ 5,00,000 - ₹ 15,00,000 per yearLocation Credit Manager-AGRI-FIN-TRACTOR LOANS AND RETAIL(TFE)-Credit Location Credit Manager-Tractors and Farm Equipments (TFE)-Credit Job Role :Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy Ensure adherence to credit policy and defined processes and CAM quality and imparting training to...
-
Credit Manager
7 days ago
Vijayawada, Andhra Pradesh, India Muthoot Fincorp Limited Full time ₹ 8,00,000 - ₹ 12,00,000 per yearCREDIT MANAGERManage over all Credit Underwriting process for the respective State or Multiple States . Portfolio Management , Quality Review on periodical basis. Maintain expected service TAT . Initiate Training Program on Programs, underwriting skills , customer level. analysis
-
Assistant Manager
1 day ago
Vijayawada, Andhra Pradesh, India Bajaj Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per yearAssistant Manager - Debt Management Services - Mortgages Job Purpose The Debt Management Specialist will be responsible for managing and coordinating the recovery of overdue payments on loans or credit accounts. Duties and Responsibilities- Legal recovery for urban NPLWheels (Vehicle Finance)- Legal management, litigation, and case management-...
-
Regional Manager
1 week ago
Vijayawada, Andhra Pradesh, India Hinduja Housing Finance Full time ₹ 12,00,000 - ₹ 36,00,000 per yearRole & responsibilitiesFraud Identification & Control (Pre and post approval)Verify loan documents through empaneled agencies to curtail fraud at entry level.Ensure sampling effectiveness in order to control application fraud.Ensure background / profile checks on profile of customer / various agencies through market intelligence/feedback.Handle fraud...
-
Vijayawada, Andhra Pradesh, India Fugen Webtech Full time ₹ 4,00,000 - ₹ 12,00,000 per yearCompany DescriptionFugen Webtech Pvt. Ltd. is a technology-driven, product-based IT company that has been revolutionizing the way businesses operate since 2023. We provide innovative solutions for various industries, leveraging our team's deep understanding of the latest technologies and trends. Our expertise enables us to deliver cutting-edge solutions that...
-
Sales Marketing Manager
3 days ago
Vijayawada, Andhra Pradesh, India WIRTGEN GROUP Full time ₹ 9,00,000 - ₹ 12,00,000 per yearCompany DescriptionThe WIRTGEN GROUP is an internationally operating group of companies and a technological leader in the construction equipment industry. We offer customers mobile machine solutions for road construction and rehabilitation, processing minerals or recycling material, and producing asphalt. WIRTGEN, VÖGELE, HAMM, KLEEMANN, BENNINGHOVEN, and...
-
Circle Manager
2 weeks ago
Vijayawada, Andhra Pradesh, India Axis Asset Management Co Ltd Full time ₹ 12,00,000 - ₹ 36,00,000 per yearCircle Manager Job Description Job Title- Circle Manager - Retail Sales, Andhra Pradesh Division & Department- Sales, Retail Sales Location- Vijaywada, Andhra Pradesh Who we Are? Axis Asset Management Company Ltd (Axis AMC) was founded in 2009 and is amongst India 's largest and fastest growing mutual fund. We serve 1.3 Cr customers and associates with...
-
Telecommunications Specialist
1 day ago
Vijayawada, Andhra Pradesh, India Abhit Technologies Full time ₹ 6,00,000 - ₹ 12,00,000 per yearCompany DescriptionAbhit Technologies is a leading branding and digital marketing agency based in Vijayawada, Andhra Pradesh. We specialize in building powerful digital identities for businesses through website design, social media management, SEO, PR, and comprehensive branding solutions. Our mission is to help businesses grow by combining creativity with...
-
Digital Marketing Specialist
2 weeks ago
Vijayawada, Andhra Pradesh, India Rudra Fusion Private Limited Full time ₹ 6,00,000 - ₹ 12,00,000 per yearCompany DescriptionRudraFusion Private Limited is a dynamic digital marketing and development company dedicated to transforming businesses through innovative strategies, cutting-edge technology, and creative solutions. The company's mission is to drive success for clients by leveraging the power of digital media and development tools. RudraFusion stands out...
