Credit Manager Job Vacancies in Hooghly

Loan documents prepared,File collection for jlg loan, civil verification and home enquiry.Duty time- Morning 11:00 to evening 6:00 PMMonday to Saturday (Sunday off)11 paid holiday and fuel allowance

Giving loan to borrowers and collection,Must have bike and driving license,residential job, weekly holidays .on time salary with PF,ESI,Gratuity,Incentive ,Promotion .

Job PurposeThe role entails direct customer interaction and is responsible for business acquisition of savings accounts for a designated branch. It will also entail explaining and selling banking products to customers and acting as a link between customers and bank - ensuring best in-class service to the customers. The role bearer has a responsibility to support Sales Manager in catchment mapping, customer feedback and identifying and converting potential opportunities. The role bearer is responsible for driving client acquisition, deepening customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals. Roles & Responsibilities Acquisition of NTB Savings account customers in the identified segment and reference generation from the specified catchment area Ensure acquisition of high quality savings accounts in terms of product mix, segments and constitution mix Proactive registration and activation of acquired customers to direct banking channels Meet and exceed the defined targets of new customer acquisitions month on month by analyzing transaction banking needs of the customer Assist and support the Sales Manager in catchment mapping and scoping exercise Provide regular feedback to SM / RM on opportunities and customer needs Ensure adherence to selling norms and SOPs defined by the organization Ensure strict compliance with internal guidelines and external regulations Ensure quality sourcing in line with the Bank's policy High degree of market awareness and understanding of customer's needs Collaborate with other branch departments and functions t

Collect EMI From Customers & Loan Provide Our CustomersMust Have own bike and smart phone.*Work Place Stay

Job Title: Assistant Manager (Credit) Entry LevelDepartment: Credit / Retail BankingLocation: Across India (as per banks requirement)Employment Type: Full-time, Regular / ProbationaryEligibility Education: Graduate degree in any discipline from a recognized university. Experience: Fresh graduates can apply (bank may prefer candidates with internship/short-term banking experience). Age Limit: 2130 years (relaxations as per Govt. norms).Key Responsibilities1. Evaluate loan applications and prepare credit appraisal reports.2. Assist in processing term loans, working capital finance, and retail loan products.3. Verify customer documents for KYC, income proof, and collateral security.4. Monitor existing loan accounts to detect potential risks or defaults.5. Coordinate with relationship managers and branch managers for smooth loan processing.6. Maintain accurate records in the banks Core Banking System (CBS).7. Provide customer service related to credit products and schemes.Required Skills Basic understanding of banking products & services. Good command over MS Office (especially Excel & Word). Analytical thinking and numerical aptitude. Good communication (Hindi & English) and interpersonal skills. Ability to work in a target-driven environment.Preferred Skills (Not Mandatory) Knowledge of RBI guidelines & basic credit risk concepts. Internship or part-time work in banking/finance. Familiarity with digital banking tools & apps.Pay Scale As per JMGS-I scale: 22,000 35,480 per month (plus allowances & benefits)

Group Forming & NormingCredit Support & RecoveryQuality Portfolio AdministrationCustomer ServiceFollow- Up GroupsBuilding Image of OrganizationOther, as per companys HR policy

Required Credit ManagerAssistant Manager Credit Experience: 1-3 years (Preferred) Role: Assistant Manager - Credit Employment Type: Permanent Job, Full Time Specialization: Credit Analysis, Financial Analysis, Customer Application Screening, Underwriting. Location: Kolkata Notice Period: 15-30 days (Preferred) Age: Should not be more than 40 yearsJob Description:Assistant Manager - Credit position is accountable for the credit granting process, including the consistentapplication of credit policies, periodic credit reviews of existing customers and the assessment of thecreditworthiness of potential customers with the goal of optimizing the mix of company sales and bad debtlosses.Key Responsibilities Area: Fair understanding of NBFC lending dynamics. Direct experience with credit risk portfolio analysis / modelling shall be preferred. To prepareCreditAppraisal Memo (CAM). Analyse and verify customer financial information. Due Diligence increditanalysis, customer application screening, evaluation, underwriting andsanctioning of loan. To ensure completion ofcredit/KYC documents and verification- telephonic, field & collateral visits. Credit Appraisals of loan application within defined guidelines and accordingly recommend forapproval to higher authorities.

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