Job Title :Credit Officer
Location :Kattapana
Salary :Attractive Salary
Key Responsibilities
1. Credit Appraisal & Loan Assessment
· Evaluate loan applications for products like:
o MFI loans
· Analyze:
o KYC Documents (Aadhar .ID, Passbook, Land Tax )
o Cheque
Conduct Financial analysis to determine repayment capacity .
2. Field Verification
· Conduct or coordinate:
o Residence verification
· Assess customer profile and stability
· Identify potential risks or fraud indicators
3. Documentation & Compliance
· Verify KYC
· Ensure compliance with
Reserve Bank of India guidelines
· Maintain proper credit files and audit-ready records
4. Risk Assessment & Decision Making
· Approve/reject loan applications within authority limits
· Recommend cases to higher authorities when required
· Ensure adherence to company credit policies
5. Portfolio Monitoring
· Track performance of approved loans
· Identify early warning signals (delays, irregular payments)
· Work with collections team to reduce NPAs
6. Coordination
· Work closely with:
o Relationship Officers
o Branch Managers
· Provide feedback to improve sourcing quality
6. Functions Involved :
o Stock Keeping
o Product Keeping
o Collection Deposit
Qualifications & SkillsEducation
· Plus Two or Above
Experience
· 1–2 years in NBFC/BFSIcredit role
· Freshers with finance knowledge may be considered
Skills
· Strong analytical and financial assessment skills
· Knowledge of credit policies and lending norms
· Attention to detail
· Decision-making ability
· Basic knowledge of financial statements
Pay: ₹10,000.00 - ₹17,000.00 per month
Benefits:
- Leave encashment
- Paid sick time
Work Location: In person
