531 Credit Officer jobs in India

Credit Officer

Gurgaon, Haryana NatWest Group

Posted today

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Job Description

Our people work differently depending on their jobs and needs. From home working to job sharing, visit the remote and flexible working page on our website to find out more.

This role is based in India and as such all normal working days must be carried out in India.

Join us as a Credit Officer
- Take on a critical role that’ll see you identifying, assessing and managing credit risks
- You’ll have the opportunity to build a wide network of stakeholders of varying degrees of seniority
- Hone your existing credit risk management skills and advance your career in this fast paced role

**What you'll do**:
You’ll maintain an effective credit risk management framework that enables early identification, assessment, management, monitoring and reporting of credit risks.

This will involve ensuring appropriate and intended customer and conduct outcomes in relation to lending and credit policy are being delivered through the oversight and challenge of policies and first line processes and controls.

You’ll also:

- Support full compliance with all relevant organisation, credit and business policies, including the creation of a robust suite of assurance measures
- Review all credit policies line with organisation, legislative and regulatory requirements
- Provide assurance to senior management that all control based activities are compliant with our standards and that all risks are reported and authorised
- Effectively manage the relationship between the function and bank-wide credit risk and other policy framework standard owners
- Achieve business as usual and project deliverables in line with milestones and terms of reference to a high standard through effective management of colleagues and other resources

**The skills you'll need**:
You’ll need experience and an understanding of credit risk management, including principles and processes, and an in-depth understanding of regulation applicable to mortgages and consumer credit.

You’ll also need:

- Experience of working successfully as a team with management across an organisation
- Knowledge of risk management and control processes appropriate to a financial services environment
- A broad understanding of external regulations
This advertiser has chosen not to accept applicants from your region.

Credit Officer

Gurgaon, Haryana NatWest Group

Posted today

Job Viewed

Tap Again To Close

Job Description

Our people work differently depending on their jobs and needs. From home working to job sharing, visit the remote and flexible working page on our website to find out more.

This role is based in India and as such all normal working days must be carried out in India.

Join us as a Credit Officer
- Take on a critical role that’ll see you identifying, assessing and managing credit risks
- You’ll have the opportunity to build a wide network of stakeholders of varying degrees of seniority
- Hone your existing credit risk management skills and advance your career in this fast paced role
- This role is available at associate level

**What you'll do**:
You’ll maintain an effective credit risk management framework that enables early identification, assessment, management, monitoring and reporting of credit risks.

This will involve ensuring appropriate and intended customer and conduct outcomes in relation to lending and credit policy are being delivered through the oversight and challenge of policies and first line processes and controls.

You’ll also:

- Fully comply with all relevant organisation, credit and business policies, including the creation of a robust suite of assurance measures
- Review all credit policies line with organisation, legislative and regulatory requirements
- Provide assurance to senior management that all control based activities are compliant with our standards and that all risks are reported and authorised
- Effectively manage the relationship between the function and bank-wide credit risk and other policy framework standard owners
- Achieve business as usual and project deliverables in line with milestones and terms of reference to a high standard through effective management of colleagues and other resources

**The skills you'll need**:
You’ll need broad experience and an understanding of credit risk management, including principles and processes, and an in-depth understanding of regulation applicable to mortgages and consumer credit.

You’ll also need:

- Experience of working successfully as a team with management across an organisation
- Knowledge of risk management and control processes appropriate to a financial services environment
- A broad understanding of external regulations
This advertiser has chosen not to accept applicants from your region.

Credit Officer

Bengaluru, Karnataka Citi

Posted today

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Job Description

The Credit Initiation Specialist is an entry level position responsible for assisting in assessing the ability of individuals, companies and institutions to meet the demands of loans, agreements and extended obligations in coordination with the Operations - Services team.The overall objective of this role is to minimize threats to the company by determining the terms or level of credit that can be granted without undue risk.

**Responsibilities**:

- Responsible for continuous interaction with Sales and operations unit for efficient loan processing.
- Responsible for meeting customers to assess their Credit worthiness
- Ensure that all formalities as per Citibank product and policy norms are completed prior to loan approval by credit manager.
- Assist the Credit Managers in credit approvals
- Processing of files adhering to all processes and policies
- TAT conformance & Controls
- Oversee Hyderabad files per Hyderabad processing integration with Bangalore
- Support Vendor Management bills processing

**Qualifications**:

- 2-4 years of experience in a related role
- Working knowledge of technical and professional principles and concepts
- In-depth knowledge of team objectives
- Must pass all local requirements from a policy standpoint to to analyze credit viability
- Must also attend all refresher courses as provided by credit policy to keep abreast of the same
- Consistently demonstrates clear and concise written and verbal communication
- Demonstrated ability to remain unbiased in a diverse working environment

**Education**:

- Graduate / Post Graduate. MBAs preferred
- Processing of files adhering to all processes and policies
- TAT conformance & Controls
- Oversee Hyderabad files per Hyderabad processing integration with Bangalore
- Support Vendor Management bills processing
- **Job Family Group**:
Operations - Services
- **Job Family**:
Credit Initiation
- **Time Type**:
Full time
- Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

View the "**EEO is the Law**" poster. View the **EEO is the Law Supplement**.

View the **EEO Policy Statement**.

View the **Pay Transparency Posting
This advertiser has chosen not to accept applicants from your region.

Credit Officer

Gurgaon, Haryana NatWest Group

Posted today

Job Viewed

Tap Again To Close

Job Description

Our people work differently depending on their jobs and needs. From hybrid working to flexible hours, we have plenty of options that help our people to thrive.

This role is based in India and as such all normal working days must be carried out in India.

Join us as a Credit Officer
- Take on a critical role that’ll see you identifying, assessing and managing credit risks
- You’ll have the opportunity to build a wide network of stakeholders of varying degrees of seniority
- Hone your existing credit risk management skills and advance your career in this fast paced role
- This role is available at senior analyst level

**What you'll do**:
You’ll maintain an effective credit risk management framework that enables early identification, assessment, management, monitoring and reporting of credit risks.

This will involve ensuring appropriate and intended customer and conduct outcomes in relation to lending and credit policy are being delivered through the oversight and challenge of policies and first line processes and controls.

You’ll also:

- Support full compliance with all relevant organisation, credit and business policies, including the creation of a robust suite of assurance measures
- Review all credit policies line with organisation, legislative and regulatory requirements
- Provide assurance to senior management that all control based activities are compliant with our standards and that all risks are reported and authorised
- Effectively manage the relationship between the function and bank-wide credit risk and other policy framework standard owners
- Achieve business as usual and project deliverables in line with milestones and terms of reference to a high standard through effective management of colleagues and other resources

**The skills you'll need**:
You’ll need experience and an understanding of credit risk management, including principles and processes, and an in-depth understanding of regulation applicable to mortgages and consumer credit.

You’ll also need:

- Experience of working successfully as a team with management across an organisation
- Knowledge of risk management and control processes appropriate to a financial services environment
- A broad understanding of external regulations
This advertiser has chosen not to accept applicants from your region.

Credit Officer

Pune, Maharashtra Ubique Systems

Posted today

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Job Description

**Criteria:

- **

2. Worked in Credit Operations or Total Credit will be considered

3. Salary not more than 16-18k in Hand

**Job Types**: Full-time, Regular / Permanent

**Salary**: ₹15,000.00 - ₹18,000.00 per month

Ability to commute/relocate:

- Pune, Maharashtra: Reliably commute or planning to relocate before starting work (required)

**Education**:

- Bachelor's (preferred)

**Experience**:

- Credit: 1 year (preferred)
- Home Loan: 1 year (preferred)
This advertiser has chosen not to accept applicants from your region.

Credit Officer

Jalandhar, Punjab AMRIT MALWA CAPITAL LIMITED

Posted today

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Job Description

Requirements:

- 1.) Qualification:

- Graduation / MBA in any specialization.

2.) Presentable with good communication Skills.

3.) Confident / Active and willingness to learn.

4.) Fresher / 1-2 years of experience in credits

**Salary**: ₹12,000.00 - ₹20,000.00 per month

Schedule:

- Day shift

**Speak with the employer**
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Credit Officer

Hosur, Tamil Nadu Jowin HR Services

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Job Description

**Job Summary**:As a Credit Sales Officer, you will be responsible for managing and growing the credit portfolio of the organisation by identifying and acquiring new clients, assessing their creditworthiness, and promoting financial products. You will play a crucial role in achieving sales targets, mitigating credit risks, and maintaining strong customer relationships.

**Key Responsibilities**:
**Client Acquisition**:Identify potential clients through market research, referrals, and networking.
Actively pursue and engage prospective clients to promote credit products.
Conduct presentations and meetings to explain the benefits of credit products.

**Credit Assessment**:Evaluate the creditworthiness of prospective clients by analyzing financial statements, credit reports, and other relevant information.
Determine appropriate credit limits and terms based on risk assessments.
Collaborate with the credit risk team to ensure compliance with credit policies and procedures.

**Sales Target Achievement**:Develop and implement effective sales strategies to achieve monthly and annual sales targets.
Continuously monitor market trends, competitor activities, and customer feedback to identify opportunities for business growth.

**Customer Relationship Management**:Build and maintain strong relationships with existing and potential clients.
Provide excellent customer service by addressing inquiries, resolving issues, and ensuring client satisfaction.
Conduct regular follow-ups to assess customer satisfaction and identify areas for improvement.

Stay updated on industry regulations and compliance requirements.
Collaborate with legal and compliance teams to ensure adherence to regulatory standards.

**Reporting and Analysis**:Prepare regular reports on sales performance, market trends, and client feedback.
Analyze data to identify areas for improvement and develop action plans accordingly.

**Qualifications and Skills**:

- Bachelor's degree in Business, Finance, or a related field.
- Proven experience in credit sales or a related financial services role.
- Strong understanding of financial statements and credit analysis.
- Excellent communication and presentation skills.
- Ability to work independently and as part of a team.
- Results-oriented with a focus on achieving sales targets.
- Knowledge of relevant industry regulations and compliance standards.

**Salary**: ₹20,000.00 - ₹25,000.00 per month

**Benefits**:

- Health insurance

Schedule:

- Day shift

Supplemental pay types:

- Performance bonus

**Speak with the employer**
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Credit Officer

Malankara Multistate Cooperative Credit Society Ltd

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Job Description

A Credit Officer is supports for speedy documentation activities in the concerned Lap proposals disbursement. It will be an additional support to the Business correspondent and sales officers in the concerned area to achieve their targets.

i) All Officer should report in station branch before 9.30 am

ii) Collect the daily work allocation from Product Head

iii) Preparing MIS of Login proposals and Login pending proposals and coordinate with sales team for moving forward to disbursement level

iv) As a initial stage of a loan proposal take crif reqest send by sales officers with the support of Kyc and an extract of applicant (prepared by Sales officer) and inform concerned officer /BC if it possible or not

v) If crif report is positive also send the check list to concerned officer or BC to collect the documents

vi) Follow up concerned BC or sales officer the crif positive files are login with HO within 7 days.

vii) Scrutinising the documents and conduct tele verification with applicant

viii) Make arrangements to Field verification of Business/Job and Address

ix) Ensure Legal and Valuation charge paid by FI positive applicants

x) Send the details to concerned empanelled valuator and legal adviser and collect timely report from them.

xi) Analyse all documents and support and instruct credit executives to preparing loan proposal and submit it to credit head and Vice president and subsequently clear additional queries

xii) If file forwarded to subcommittee ,prepare sanction letter copy to be approved from committee

xiii) Do necessary arrangements to collect the original documents and wetting it with concerned legal adviser

xiv) Fix a date for loan disbursement and inform the other documents have to bring by applicant and other loan parties.

xv) Instruct credit executive to prepare loan agreement and other documents to execute loan agreement, Mod and also membership

xvi) Disbursement of loan to applicant savings account

xvii) Do needful to transfer the amount to applicants savings account after collecting updated EC and executing agreement for deposit of tittle deeds in concerned Registrar office

xviii) Ensure proper Emi date reminder communicated to applicant before 10 days ,5 days intervals

xix) Prepare necessary data required Business/Collection/Overdue/BC payouts/Leads.etc

xx) Clear audit queries with the support of sales team within the time frame

xxi) Give maximum support to customer from document collection time to the time of disbursement

xxii) Do needful for registering agreement for deposit of tittle deeds in concerned Registrar office in Big Lap FILES.

xxiii) Do any additional duties instructed by department Heads within proper time

**Salary**: ₹18,500.00 - ₹20,500.00 per month

**Benefits**:

- Cell phone reimbursement

Schedule:

- Morning shift

Supplemental pay types:

- Performance bonus

**Experience**:

- total work: 1 year (preferred)

Work Location: In person

**Speak with the employer**
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Credit Officer

Thrissur, Kerala Muthoottu Mini Financiers,Kaloor

Posted today

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Job Description

JOB VACCANCY IN MICRO FINANCE SECTION

9.00 TO 5.30 PM SHIFT

LOAN VERIFICATION, BRANCH WORK, TEAM HANDLING

MINIMUM 2 YEAR EXPERIENCE IN MICRO FINANCE

QUALIFICATION -DEGREE

TWO WHEELER AND DRIVING LICENCE MANDATORY

MANNUTHY

Pay: ₹17,500.00 - ₹25,000.00 per month

**Benefits**:

- Cell phone reimbursement
- Provident Fund

Supplemental Pay:

- Performance bonus
- Yearly bonus

Work Location: In person
This advertiser has chosen not to accept applicants from your region.

Credit Officer

Delhi, Delhi Mahashakti Financiers Ltd.

Posted today

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Job Description

**Responsibilities**:

- Review loan requests
- Make a call to the clients
- Assess clients’ financial status
- Evaluate creditworthiness and risks
- Contact clients to gather financial data and documentation
- Calculate financial ratios (e.g. credit scores and interest rates)
- Follow up with clients about loan renewals
- Monitor progress of existing loans

**Behavioral Characteristics**:

- Strong analytical and problem-solving skills
- Excellent communication skills
- Ensures attention to detail.
- Proficient in domain knowledge.
- High level of inter-personal skills & integrity.

**Job Types**: Full-time, Permanent

Pay: ₹18,000.00 - ₹22,000.00 per month

Schedule:

- Day shift

**Experience**:

- 0-1: 1 year (preferred)

Work Location: In person
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