Job Description

Key Responsibilities:

Loan Assessment & Underwriting:

Evaluate loan proposals received from branches or digital platforms. Perform credit appraisal, financial analysis, and risk assessment of individuals and businesses. Recommend/approve credit limits based on internal policies.

Policy Adherence & Risk Management:

Ensure compliance with the company's credit policies, RBI norms, and KYC guidelines. Flag deviations and propose exceptions where applicable.

Portfolio Monitoring:

Track the performance of disbursed loans, monitor delinquency trends, and initiate corrective actions. Periodically review and revise underwriting norms based on changing risk profiles.

Coordination & Training:

Work closely with sales, operations, and legal teams for seamless processing of loan applications. Train field credit officers or branch staff on credit appraisal techniques and documentation.

Reporting & Documentation:

Prepare MIS reports, dashboards, and exception reports for senior management. Maintain accurate and updated credit files, approvals, and records.

Key Skills & Competencies:

Strong analytical and financial evaluation skills Understanding of credit risk, loan structuring, and underwriting standards Knowledge of regulatory compliance in NBFCs Proficiency in MS Excel, Loan Management Systems, and credit scoring models Good communication and decision-making skills

Qualification & Experience:

Graduate/Postgraduate in Finance, Commerce, Economics, or a related field MBA/CA/CFA preferred 3-7 years of experience in credit assessment or risk in an NBFC or bank (sector-specific: MSME, Personal Loan, Gold Loan, etc.)
Job Types: Full-time, Permanent

Pay: ?20,000.00 - ?24,000.00 per month

Work Location: In person