4 jobs in Hiranandani Financial Services

• Oversee the underwriting of the loans in the designated region.
• Lead a team of Credit Managers at a Cluster Level.
• Review the underwriting process and define process as per available resources and branch requirements.
• Credit decision for secured on organisation policies, processes and merits as per limits.
• Evolve underwriting norms customized to the local market needs and update the credit bulletins.
• Identify fraudulent practices and mitigate risk through changes in policy and process.
• Formulate and manage the technical evaluation process and policies in the region.
• Formulate and manage the legal evaluation process in the region.
• Appoint and manage external agents for verification process: Fraud investigation, Legal verification and technical evaluation.
• Co-ordinate with the recoveries team and generate business insights to mitigate risk
• Resource planning and management at hub for smooth running of operations.
• Set exposure limits and maintain total sanctioned amount in the region for customer segments and geographical areas.

Role & responsibilities :

• Good understanding of credit policy and underwriting regarding Business Loans and LAP book
• Evaluating credit proposals covering financial, business, market risk & decision of the loan
• Appraising borrowers financial, business and credit track record to assess the credit worthiness
• Analysis of the financial statements, Bank records, ITR and GSTN records of the prospective customer to identify the short term & long term solvency & liquidity position
• Strong knowledge about local geography and socio-economic strata of the branch sales state.
• Effective implementation and coordination with agencies to prevent fraud, over valuation of property and legal risk
• To assess the credit risk and adopt suitable course corrections and give feedback to central policy and underwriting team for preventive actions
• Understanding the customers requirements and ensuring quick service delivery
• Hold high responsibility for implementation of high standards of underwriting and internal controls in the branch in order to safeguard the assets and data
• Overseeing Operational risk & support functions including PDD, collections data and foreclosures requests
• Monitor for checks on Frauds and Early Delinquencies; conduct regular branch audit
• Regular monitoring of portfolio and collateral management
• Monitor and enforce approval rate and TAT as per prescribed standards
• Execution of all the work to ensure compliance to KYC, regulatory needs, credit underwriting, collateral management, Legal agencies and Audit function
• Basic Analytics and MIS reporting to various stakeholders on regular basis at branch level
• Implement Standard Operation Policies, Process Documentations and Risk framework as suggested by Risk Policy unit
• To initiate suitable process changes to reduce risk and improve overall efficiency
• Team & Vendor Management mentor and train them for proper delegation of work and maintaining credit standards
• Has to travel locally daily to do PD, make customer and vendor visits

• Identify, evaluate, and secure funding opportunities through banks, financial institutions, mutual funds, development finance institutions, and other lending partners.
• Structure, negotiate, and execute various borrowing facilities, including term loans, working capital lines, and other debt instruments.
• Build and maintain strong relationships with lenders, investors, rating agencies, and other key financial stakeholders.
• Coordinate with internal teams and external lenders for timely documentation, due diligence, approvals, and disbursements.
• Monitor the organization's borrowing portfolio, ensuring compliance with loan covenants, repayment schedules, and regulatory requirements.
• Support debt servicing, refinancing, and liability management initiatives to optimize funding costs and maturity profiles.
• Assist in cash flow forecasting, liquidity planning, and assessment of future funding requirements to support business growth.
• Prepare treasury MIS, funding reports, lender presentations, board / committee notes, and other financial reports for senior management and external stakeholders.
• Track developments in financial markets, interest rate movements, RBI regulations, and industry trends to identify funding opportunities and optimize the borrowing mix.
• Collaborate with Finance, Business, Legal, Compliance, Risk, and Operations teams to ensure seamless execution of funding transactions.
• Support credit rating exercises, lender audits, and information requests from financial institutions.
• Drive continuous improvement in treasury processes, documentation, and reporting

Ideal Candidate

· CA / MBA

· Experience : 2-7 years of experience in fund raising, front office role

· Should have worked with NBFC/Banks preferably