Key Responsibilities
- Evaluate and approve/recommend loan applications based on company credit policies and risk parameters.
- Conduct detailed credit assessment and underwriting of customers.
- Analyse customer income, bank statements, credit bureau reports, repayment history and financial information.
- Assess customer creditworthiness, repayment capacity and risk profile.
- Review and interpret CIBIL/Experian/other credit bureau reports.
- Identify potential fraud, high-risk applications and credit irregularities.
- Ensure accurate verification of customer documents and financial information.
- Make timely credit decisions within defined approval limits and TAT.
- Monitor portfolio performance, including delinquency, bounce rates, DPD and repayment trends.
- Analyse early warning indicators and recommend appropriate risk mitigation measures.
- Coordinate with sales, operations, collections and risk teams to resolve credit-related issues.
- Maintain proper documentation of credit decisions and ensure adherence to internal policies.
- Prepare credit MIS and portfolio performance reports for management.
- Review and recommend improvements in credit policies, underwriting rules and approval processes.
- Ensure compliance with applicable RBI/NBFC regulations and internal risk policies.
- Support internal and statutory audits related to credit operations.
Pay: ₹20,000.00 - ₹30,000.00 per month
Work Location: In person
