Credit appraisals of loan applicants within defined policy guidelines of Own NBFC and Co lending partners
Assessing creditworthiness of the potential client by scrutinising the financials, credit history based on documents submitted, market information, reference checks, etc
Ensuring verification processes are followed in a systematic and timely manner
Coordinating with the verification agencies to aid in decision-making
Timely Processing of the proposals to ensure faster TAT
Ensuring adherence to the internal credit policy and RBI guidelines applicable to the NBFCs
Providing inputs to bring in best industry practices and revising credit risk policies and guidelines periodically
Participating in internal projects that improve credit process efficiency and effectiveness to assist in achieving key strategic objectives
Monitoring the repayment history and taking necessary corrective actions
Closely tracking of delinquent customers to ensure these remain in lowest bucket and learnings from these are implemented for future cases
Appraising deviations based on mitigants, relationships, local market knowledge, etc.
Requirements:
Any Graduate with Experience in similar Role for 2 years plus - MBA/CA preferred
Demonstrable experience in NBFC/Banks for not less than 2 years in Unsecured Loans, Auto Loans, Credit Cards etc
Proven experience in Unsecured loans - Business (SME) especially in Fintech start-up
Strong control and understanding of MIS – using - MS EXCEL including VLOOKUP & HLOOK UP etc
Analytical bent of mind & strong judgmental attributes
Excellent Communication and negotiation skills
Flexible for a 6-day-a-week working structure (10 am to 7 pm)