Credit Manager Graduate Jobs in Hyderabad

Relationship Managers /Sr Relationship ManagersCompany Overview:Shriram Life Insurance is a dynamic and customer-centric insurance provider committed todelivering unparalleled service and comprehensive coverage to our clients. We are seeking ahighly motivated and results-driven Relationship Manager to join our team. The successfulcandidate will play a crucial role in converting leads into insurance policy issuance whileproviding exceptional customer service.Key Responsibilities:Lead Conversion:Proactively engage with leads generated through various channels, including but not limited to,digital marketing, referrals, and walk-ins.Build and nurture strong relationships with potential clients to understand their insurance needsand provide customized solutions.Present and explain insurance products effectively, addressing any concerns and objections tofacilitate lead conversion.Collaborate with the sales and marketing teams to implement strategies for lead generation andconversion.Insurance Policy Issuance:Guide clients through the application and underwriting process, ensuring all necessarydocumentation is completed accurately and efficiently.Collaborate with underwriting and processing teams to expedite policy issuance whilemaintaining a high standard of accuracy.Keep clients informed about the status of their applications and provide timely updatesthroughout the issuance process.Customer Service:Serve as a primary point of contact for existing clients, addressing inquiries, concerns, andpolicy-related questions promptly and professionally.Conduct regular follow-ups with clients to assess satisfaction, identify additional needs, andexplore opportunities for upselling or cross-selling.Collaborate with the customer service team to enhance overall customer experience and resolveissues in a timely manner.Relationship Building:Develop and maintain strong relationships with clients to foster long-term loyalty and retention.Attend networking

Job Responsibilities:Recruiting, screening, and training new agents.Analyzing performance and drawing up action plans. Establishing strong relationships with staff and clients. Ensuring all staff exercise good time management. Obeying agency regulations, guidelines, and policies, and ensuring staff does the same. Researching current industry/market trends and using knowledge for business improvement. Desired Candidate Profile:Experience: Mini. 2 + Year experience required Sales and Marketing of BFSI/InsuranceAge: 24-38 YearsQualification: Minimum graduation requiredOne with a pleasant personality, good communication skills, and a go-getter attitude

Good communication in Hindi, English /One Regional Language (Only for South centers), any other language capability will be added advantage Experienced in telesales (preferably credit card sales) Good convincing skills Passion for sales Good emotional connect Understanding of basic numbers Ability to engage in a communication and build a conversation around it For experienced candidates: to check what all Banking Basics/ any product basics candidate is aware of. For non-Banking experiences, relevance to the current process needs to be understood during the interview Need for job/ambition/career orientation and ready to work in Sales environment.

Credit Manager Job DescriptionRoles and Responsibilities As a Credit Analyst, you will be working closely with the Credit Head and will be responsible to handle all credit risk functions. Analysing creditworthiness and credit risk of SME borrowers, including review of financial statements and cash flow analysis Performing Credit appraisals of loan applicants within the defined policy guidelines Assessing the quality of various SME loans and assisting in the underwriting and processing of SME credits Underwriting new and existing SME loans through analysis of borrowers alternate data, credit history, financial performance, current market trends, collateral, and feasibility Coordinating with Vendors and handling all the business and vendor queries Monitoring, analysing, and commenting daily or weekly credit risk indicators and the company's KPIs Assisting the company in enhancing the quality-of-service delivery relating to credit applications Participating in internal projects that improve credit process efficiency and effectiveness to assist in achieving key strategic objectives Identifying risks/mitigants and making recommendations to senior management regarding additional credit enhancements to mitigate credit riskRequired Candidate profile Experience in Credit Appraisal/Underwriting role or similar profile Exp. in Business Loan processing/management systems, Documentation processing,Handling KYC etc. Experience in SME business lending Should have a general knowledge of loan underwriting, documentation, banking, and financial statements analysis Possess Basic knowledge about financial statements/ITR/Banking. Should be able to use MS-Word, Excel Excellent Communication Skills - Should be able to communicate well in Telugu, English and Hindi. Strong analytical, interpersonal, and presentation skills

Essential Qualifications: Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate 1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME) Deep experience & understanding of retail financial services across NBFCs, bankingEssential Experience / skills: Knowledge of local markets and trends in retail lending Understanding of local business and micro economy Ability to work under tight deadlines and to prioritize conflicting and changing priorities Keen understanding and focus on risk, controls, compliance and regulatory framework Ability to liaise with internal stakeholders and cross-functional teams Strong customer focus and management of stakeholder expectations Strong analytical & communication skills (written & verbal) Should be willing to adapt to digital tools and processesRoles and responsibilities

BRANCH UNDERWRITING:Piramal Capital & Housing Finance ltd., as a commitment to serve all lending needs of consumers of Bharat is hiring Credit manager for its retail business. The person will be responsible for analysing the customer credit profile including financials and cash flow analysis for both salaried & self-employed segments, conducting personal discussions and underwrite / sanction the case. EXTERNAL:CustomersVendors Internal auditorsCredit BureausKEY STAKEHOLDERS:Credit Head for HFCRisk & Compliance teamCredit Analyst and OperationsLegal teamSales teamCollections teamESSENTIAL SKILLS:Knowledge of local markets and trends in retail lendingUnderstanding of local business and micro economyAbility to work under tight deadlines and to prioritize conflicting and changing prioritiesKeen understanding and focus on risk, controls, compliance and regulatory frameworkAbility to liaise with internal stakeholders and cross-functional teamsStrong customer focus and management of stakeholder expectationsStrong analytical & communication skills (written & verbal)Should be willing to adapt to digital tools and processes QUALIFICATION:Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME)Deep experience & understanding of retail financial services across NBFCs, banking

Role Responsibilities StrategyBe responsible for developing sources of liquidity to create a profitable offering for the Asia Mumbai business.Be responsible for overnight trading for the Asia Credit Flow deskHelp deliver the strategic direction and performance of Credit Flow by working with Global Head, Flow Credit TradingBusinessAchieving assigned full year objectives as per annual P3 documentIncrease SCB's visibility by driving commercial, competitive pricing of credit trading for our clientsProcessesEnsure adherence to all internal and external regulations.To embed Operational Risk monitoring as an integral part of the business process. Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management and Operational Risk Management Assurance.Accountable for helping establish and maintain frameworks to ensure flow trading, especially Chinese assets, processes are efficient, appropriate and compliant with all internal and external regulations.People and TalentBuild a transparent and collaborative culture in which incentives are based on support of Client Income with specific performance metrics on the Bank's values.To work in partnership with Credit Flow teams across ASIA, LATAM and EMEA to ensure that the flow trading product is value additive for clients and the bankRisk ManagementMonitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk CommitteesGovernancePromote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the businessRegulatory & Business ConductDisplay exemplary conduct and live by the Groups Values and Code of Conduct.

We are hiring for Team Leader Position, who as good exposure in Team Handling. This is a permanent role and looking for somebody who can join immediately.Education: Any GraduatesLocation: Habsiguda, Telangana & Thiruvananthapuram, Kochi, Kerala

Candidate will be provided with clients debtors list, he will have to go the customers and put efforts to collect debts. Incase customer raises any query or any document requirement he will have to coordinate with clients sales, accounting, and legal departments and get the query closed. Create plans and strategies for collecting debts. Candidate will be assigned with cases from his state and he will have to travel within his state and as per company requirement if required candidate will be asked to travel to any whenever in India to meet customers Adhering to financial laws on the regulation of debt collection. Contact and communicate effectively with debtors by meeting customer to negotiate and implement debt recovery plans. Incase customer is absconding Candidate need to gather customer information from customers neighbors, Shopkeepers, from other people who are into similar business. Maintain electronic records and hard copies of all payment plans, amounts paid, and communications. Initiate repossession and other legal proceedings if debt recovery plans fail. Advising on repayment plans that are appropriate for the degree of debt and the circumstances of the consumer. When necessary, escalating calls to managers. Legislative guidelines of the Privacy Act must be followed. Entering data and keeping correct records is a must. Work in accordance with key performance metrics.

-Acquire New to Bank Customers and pursue new business relationships.-Acquire new business by selling Banking products like CASA, Debit/Credit cards, IPG &Asset products.-Finding new customers from open market by travelling the local area allotted.

1. Develop and generate business2. Leads follow up & systematic closure3. Develop clear understanding of lending parameters and apply on field4. Conduct field visits for customer meetings, field investigations / other checks, relationshipdevelopment and market mapping5. Follow up / Ensure for credit approval from the concerned authority for files submitted6. Collections / Recovery from customers7. Ensuring complete documentation, stamping and formalities related to pre / postdisbursement8. Complete control of NPA and overdue cases and their overall reduction to minimal9. Abreast with the competitors strategies and market activities / preferences andrecommend future strategies10. Conducting various marketing initiatives in assigned area11. Customer service Attending to customer inquires / grievance on a timely basis

1. Graduate in any Discipline, 1-6 years of experience in Field Sales (Branch Banking CASA product/ Liability Banking / Insurance/NBFC sales preferred).2. Age up to maximum 32.3. Functional Competencies Selling skills, Good communication skills.4. Behavioral Competencies Customer service attitude, Negotiation & Relationship building Skills.5. Ability to convince the customers.6. Job Responsibilities Financial Responsibilities Acquisition of CASA & liabilities a/c from cold calling, market reference, cross sell and selling third party products (life & health insurance, mutual funds SIPs).7. Non Financial - Responsible for implementing sales and marketing activities within a branch in order to grow the Liabilities business and achievement of sales targets.Ensure Liability acquisition targets are met by developing new relationships and leveraging existing ones within the customer base.8. Responsible for acquiring new customers through multiple channels campaigns (in the vicinity), branch walk-ins, referrals from existing customers, through industry bodies and associations and through running industry.9. Achieving overall numbers and value targets as per scorecard. Ensuring timely opening of accounts and giving smooth on boarding experience to NTB customers.

Job description :-Build a strong relationship with the sales team of the bank channel partnersAchieve sales targets as per channel strategyMeet prospective customers with the channel sales team to sell insurance solutionsProvide pre-and post-sales support (e.g., claim settlement)Ensure quality of business and persistency (renewals of premium)Enable channel sales team to use the latest digital platformsRequired Candidate Profile :-Educational Qualification: Graduate or Post GraduateAge: 21 to 38 yrsSales Experience:1 year for RM (min. 6 months in BFSI)One who loves the challenge of chasing and meeting sales targetsFor More Information Or To Apply you can send your CV to :-Pavan