Credit Manager Job Vacancies in Bangalore

Join our team in Bangalore as a Tele Sales Officer! As a Tele Sales Officer, you will be responsible for cash collection, collections recovery, inbound process, and credit control. You will be making outbound calls to customers to recover outstanding payments and assist with credit control processes. This role requires excellent communication skills and the ability to work efficiently in a fast-paced environment. The ideal candidate will have a 12th pass education and 0-2 years of experience in a similar role. If you are a motivated individual who thrives in a target-driven environment, this is the perfect opportunity for you to excel in your career.

Key Responsibilities:Develop and maintain relationships with assigned clients or customer segmentsUnderstand customer needs and offer appropriate financial products or servicesAcquire new customers through field visits, referrals, and outreach activitiesConduct periodic reviews and follow-ups to ensure client satisfactionAddress and resolve customer queries, complaints, and issues promptlyCross-sell and upsell products to maximize revenue opportunitiesPrepare and maintain accurate documentation and client recordsLiaise with internal teams (credit, operations, compliance) to facilitate smooth service deliveryEnsure compliance with regulatory guidelines and company policiesAchieve individual and team sales targets and KPIs

Preparation of Sales and Purchase Invoices / Fully Familiar with TDS and GST and is able to File Independently/Review Trial Balance / Familiar with Online Banking.Experience of 5 -10 Years with Commerce Degree / Age - 35 Years and above.Good in Excel Functions / Familiar with Cloud Accounting would be a Advantage.

Preferred Industry Experience:Bank/NBFC with experience in sales of retail assets (unsecured)Merchant banking sourced through Direct Sourcing, including Telecom (Post-Paid), Credit Cards, and Direct Sales in other segmentsDesired Experience:Relevant experience of 6 Month to 2 years in any unsecured loan product, preferably Business Loans, with Direct Sourcing experienceRoles and Responsibilities:Understanding the product offering clearlyAbility to explain the product to merchantsProficient in Cold Calling and Direct Sourcing activitiesGood knowledge of Local Market Sales dynamicsIndependently handle sales calls and inquiriesManage and execute local sales promotionsAchieve targeted loan disbursementsEnsure the smooth flow of processes related to credit and operationsBuild and maintain a profitable loan portfolioSkills and Competencies:Strong customer focusEnergetic and willing to work in a dynamic environmentStrong commercial and business acumenKnowledge of the financial services industryGood communication and interpersonal skillsQualifications:Minimum educational qualification: Any Graduate / 12th Pass

Liked! If you're a Credit Analyst, an immediate joinee located in/ fine relocating to Bangalore, this ThoughtFocus opportunity is calling your name! Here's a breakdown of the detailed requirements:Conduct thorough analysis: Dive into the world of large corporate financial statements, performance metrics, and trends. Your keen eye will evaluate the creditworthiness of companies, contributing valuable insights to decision-making.Independent credit rating assignments: Show your expertise by taking charge of credit rating tasks for companies of all sizes. Your independence will shine as you prepare detailed reports, explaining the reasoning behind assigned credit ratings.Analyze credit agreements: Put your analytical skills to work as you dissect credit agreements. You'll assess terms, covenants, and conditions, all of which play a pivotal role in determining the creditworthiness of the entities under scrutiny.Fitch rating analysis: Showcase your proficiency in Fitch rating analysis. By incorporating relevant criteria and methodologies, you'll ensure accurate credit assessments that are essential for informed decision-making.Collaborate with legal experts: Your collaboration will extend to legal experts, ensuring that credit agreement clauses and implications are understood accurately. This partnership guarantees precise evaluations.Compile comprehensive rating reports: Your attention to detail will shine as you create rating reports that encompass a wide spectrum. From company profiles to key rating considerations, credit risk assessments, financial projections, industry assessments, and more - you'll cover it all.Industry-specific credit research: Immerse yourself in the specific sectors where rated companies operate. By doing so, you'll grasp the dynamics at play and contribute to ongoing industry-wide performance monitoring.Don't miss this incredible chance to make your mark with ThoughtFocus!

should have a good understanding of lending procedures and customer service experience. credit evaluation of customers while funding his finance application, This includes, visiting customer office and residence and conducting the verification, collecting all financial and kyc documents and cross verifying it, post checking the financials, decision to be made shared with management

Hi,We have urgent Opening for Virtual Relationship Manager-Virtual sales with Leading Domestic Bank for Bangalore (Jayanagar location)Required Skill : Candidate should have exp in Virtual sales, digital sales, online sales. Candidate should be qualified Graduation. Should be able to understand and speak Kannada, Hindi & English.

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.

Wanted Team Leader for credit card sales for commission basisOnly CommissionShould be Experience in handling a sales team of credit card or Any loansShould Have minimum 5 to 10 field sales executives or Telesales executives during joining timeCan be earn upto 2 lakhs Rs per month.LOCATIONS-BENGALURUHYDERABADMUMBAIDELHIKOLKATAGURGAONPUNE

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.

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.

We are looking for a collection executive re generally responsible for managing and collection all the outstanding accounts receivables form clients and customers. We are looking for a self-driven and competent collection executive.Responsibilities: Monitor accounts on a daily basis. Identify outstanding account receivables. Investigate historical data for debts and bills. Take actions in order to encourage timely payments. Process payments and refunds. Resolve billing issues. Resolve customer credit issues. Contact clients and discuss their overdue payments. Update account status records. Prepare and present reports on collection activities and progress.Collections Manager Requirements: Bachelors degree in finance, accounting, or a related field. Proven experience as a Collection Specialist or similar role. Excellent knowledge of billing procedures. Knowledge of various collection techniques. Contact clients and discuss their overdue payments. Comfortable working with targets. Knowledge of collection laws and regulations. Excellent communication and interpersonal skills.

Position: Regional Credit Manager Real Estate Lending (1 position)Desired Skills / Competencies / Job Description:1. Regional credit manager responsible for Bengaluru, Chennai, Hyderabad2. Preliminary screening of commercial real estate financing transactions and structuring3. Interaction with in-house team (relationship, legal, technical and operations) to provide solution to clients in coordinated and timely manner4. Interaction with client to understand their business model, organization structure and financing needs. Also resolution of queries and collection of information on ongoing basis5. Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and underlying security and making initial recommendations6. Presenting the proposal to sanctioning authorities7. Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts8. Checking disbursements to ensure compliance with sanctioned termsQualification: CA / MBAExperience: 6 to 10 yearsWork location: BengaluruSalary: Up to INR 25 LPANo of vacancies: 1 numberNotice Period: 30 daysContact HR: Mr. Martin

To ensure recovery as per the assigned KRAs Focus on controlling Roll Forwards and maintaining requisite Normalization in cases assigned. Proactive in coming up with suggestion in policy changes on collections. Maintaining proper Feedbacks of each contract and provides the same as and when requested. Maintain MIS of recoveries done and their month/quarter/year end status Ensure adherence to SOP. To adhere to the NBFC processes and procedures To adhere to Collection audit requirement

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.

DP Calculation at banking premises itself. Checking whether stock statement is properly entered into the system by maker and approve the same. Well versed with banking terminology Studying Memos and entering the same in banking ERP Preparation of various MIS and send to bank official. Preparation of daily MIS

Role Purpose Would be responsible for credit life sales in the territory across CANARA and drive thecompany's credit life sales strategy through dedicated credit life officers as well as throughthe retail channel. The incumbent is responsible to drive the credit life business across the mortgage, educationand other retail loan products within his geography. These loans have a yearly book size ofover Rs.2,000 crores. Implement key business development initiatives in the territory under purview to achieveAOP targets. Build and nurture relationships and engagement with the CHL retail team, Regional andCircle Heads, RAH Heads and Leadership teams to support sales growth. Ensure all business expenses and employee costs are within budgets as approved and in linewith business performance to maintain desired Cost Income ratios. Principal Account abilities: Key activities and decision making areas Typical Targetsand MeasuresDrive credit life attachment rates across loan products of the banks1. Achieve defined metrics for the Team as per Sales Activity Managementprocess/guidelines2. Achieve attachment rate for the Region as per AOP targets rolled out by SSBD 3. Ensure targeted activation rates are maintained of all RAH, Canfin and MSF locationsmapped to him4. Ensure support to the retail team to drive credit life sales at non mapped locations 5. Ensure targeted attachment rates are maintained across bank channels6. Hiring at >=90% of plan Attrition of key staff

Key Accountabilities 1. Sales: Accept leads generated from in-branch lead generators as well as warm leads provided by the bank from the database as well as generate own leads. Make appointments, explore the customers financial needs in life-related investment and insurance needs areas, select appropriate product to meet these needs from the companys product range, gain customer agreement to purchase, accurately complete sales documentation.2. Incentive programs: Cascade the incentive programs & ensure complete success in implementation of the same3. Sales completion process: Responsible for sales completion by facilitating completion of medical reports & ensuring prompt issue of policy document4. Cross Sell/ Up-Sell: Build a good customer base in order to explore opportunities to cross-sell & up-sell, Obtain referral to further prospects where appropriate.5. Relationship Building: Build long term relationship with the bank staff & clients by responding appropriately to all bank/client queries either directly received or forwarded by the service company. 6. Customer Relationship Management: Arrange meetings of banks branch managers & staff with existing clients at least once a year, acknowledging birthdays & anniversaries to review their financial circumstances & life insurance needs as well as to obtain referrals to further prospects.7. After Sales Service: Accept & follow up on suggestions, request & complaints received from clients, ensure claim requests are serviced8. Performance review: Proactively ensure performance review by submitting various sales reports as per agreed frequencies in order to ensure performance targets are achieved & exceeded, ensure meetings with manager to agree on targets & to review performance. 9. Supporting colleagues & bank sales team: Support other Relationship Managers and the bank sales team requested by the sales manager by coaching them in company knowledge, accompanying them on client visits.

Hi,We have urgent opening for Virtual Relationship Manager - Virtual sales with Leading Domestic Bank for Bangalore (Jayanagar location)Required skill:Candidate should have exp in Virtual Sales, digital sales, online sales.Candidate should be qualified Graduation.

To ensure recovery as per the assigned KRAs Focus on controlling Roll Forwards and maintaining requisite Normalization in cases assigned. Proactive in coming up with suggestion in policy changes on collections. Maintaining proper Feedbacks of each contract and provides the same as and when requested. Maintain MIS of recoveries done and their month/quarter/year end status Ensure adherence to SOP. To adhere to the NBFC processes and procedures To adhere to Collection audit requirement.