Credit Manager Job Vacancies in North Delhi

Industry - Banking SectorProfile - Credit Card ProcessShift - Branch Relationship ExecutiveQualification - Minimum 12th & Graduate With Good English Communication Skill.Salary - 18000/- to 22000/- In Hand + PF + Esic + Incentive ( Salary Depend On Interview )Experience - Minimum 1 Year In Credit Card RequiredGender - Male & Female Can ApplyLocation - East Delhi, South Delhi, North Delhi, Central Delhi, Ghaziabad, NoidaDuties & Responsibilities-----A credit card is a financial instrument issued by banks with a pre-set credit limit, helping you make cashless transactions. The card issuer determines the credit limit based on your credit score, credit history and your income.Note - Charges ApplyOnly Serious Candidate Apply

Post - Sales Marketing , Credit Card, Banking Qualification - Minimum 12th Pass And GraduateSalary - 18000/- Per Month + PF + ESI+ Incentive PlanLocation - North Delhi, West Delhi, Central DelhiGender - Only MaleDuties & Responsibilities-----Bank of Baroda (BOB or BOB) is an Indian nationalized banking and financial services company headquartered in the city of Vadodara, India. It is the fourth largest national listed bank in India, with 132 million customers, a total business of US$218 billion, and a global presence of 100 overseas offices.Note - Charges ApplyMiss Radhika

Review loan requests 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) Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans

About Us:Mahashakti Finance Ltd is a leading financial services provider committed to helping individuals and businesses achieve their financial objectives. We offer a range of financial products tailored to meet the unique needs of our customers. As a Credit Officer, you will play a vital role in connecting with potential customers, understanding their financial needs, and assisting them in achieving their financial goals.Key Responsibilities:Outreach and AssessmentMake outbound calls to potential customers to discuss our financial products and services.Conduct thorough needs assessments to understand customers' financial goals and recommend suitable financial products.Gather and record essential customer information required for credit evaluation and loan applications.Provide guidance and assistance to customers in completing loan applications accurately.Credit EvaluationAssess the creditworthiness of loan applicants by reviewing financial documents, credit reports, and other relevant information.Make informed decisions regarding loan approvals, taking into consideration risk tolerance and company policies.Strictly adhere to sanctions regulations and company policies to maintain regulatory compliance throughout the loan approval process.Customer RelationsCultivate and maintain strong relationships with clients, providing ongoing support and addressing any inquiries or concerns.Continuously monitor loan repayments, work with customers to ensure timely payments, and take appropriate actions for delinquent accounts.

**WE ARE HIRING CREDIT MANAGERS**(Freshers & Experienced)**Requirements:** Good Hindi & decent English Ability to use a laptop (basic knowledge) Freshers welcome training provided**Job Role:** Contact customers Help them complete their credit fund application Maintain professional communication**What We Provide:** Company phone Company laptop Training support**Salary & Incentives:** Salary: **18,000/month** for freshers Incentives: **Up to 20,000 or more** based on performanceIf you're interested and motivated, **apply now!**Reach out us on WhatsApp - 9667708784Office location - Sector 63 Noida

ResponsibilitiesMaintaining and increasing sales of your companys productsReaching the targets and goals set for your areaEstablishing, maintaining, and expanding your customer baseServicing the needs of your existing customersIncreasing business opportunities through various routes to marketSetting sales targets for individual reps and your team as a wholeAllocating areas to sales representativesDeveloping sales strategies and setting targetsMonitoring your teams performance and motivating them to reach targetsCompiling and analyzing sales figuresPossibly dealing with some major customer accounts yourselfCollecting customer feedback and market researchReporting to senior managersKeeping up to date with products and competitors

Job Profile:- Credit card sales officerJob Role:- Visit to the field and sell credit card to the customers .ctc - 12k- 14k + incentive location - Gurgaon

Ability to Procure and inspect data provided .Exceptional supervision and relationship building abilities.Fully aware about the KYC process.Developing new markets and improving sales.Familiar with all the products offered by company.Should have experience in NBFC or Bank.

ExternalInternalRole directly reports toArea ManagerCredit UnderwritingPreferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate1 5 years of relevant experience in Credit underwriting Retail AssetBanking products, services and operations (preferably in private sector,HL & LAP/SME)Deep experience & understanding of retail financial services acrossNBFCs, bankingCustomersVendorsInternal auditorsCredit BureausCredit Head for HFCRisk & Compliance teamCredit Analyst and OperationsLegal teamSales teamCollections teamKnowledge of local markets and trends in retail lendingUnderstanding of local business and micro economyAbility to work under tight deadlines and to prioritize conflicting andchanging prioritiesKeen understanding and focus on risk, controls, compliance andregulatory 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 processesResponsible for upholding the Piramal brand by preparing quality proof proposal documentdetailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loanapplications procured by SalesBranch Underwriting1A/1B/1CInternal UseInternal Use----ConfidentialConfidential

Job Description for Officer Credit1. Ensure all DOVR files achieve status ITPD or ITSC within 4 hours of the file achieving DOVR status.2. Prepare a note sheet with notes reflecting all queries and pending documents. This note sheet is the support tool to call the customer and resolve pending issues3. NECESSARILY call the customer. We expect all customers to be called so that we acknowledge the receipt of his application and papers. Confirm pending documents, agree to next action for every document and query. There are instances when a customer is unable to take a call, in such cases send an email.4. Prepare the interview sheet on line and as part of the interview sheet, update all pending documents and queries. All pendencys to be assigned for next action, date & time, the person who will perform the next action.5. Refresh dashboard to understand if all pending documents and queries are resolved even while the status remains ITPD.6. Ensure all actions due by all concerned are taken, follow up done with the customer and SO, if required, new action date and time assigned. Wherever required due escalations to be done for non performance of action due7. It is expected that the Officer Credit will complete the file and move it to RHDFC stage in 3 working days of the file achieving DOVR status.8. 80% of the files submitted as RHDFC should not appear in File Requirements (FR).9. The rest 20% should be resolved within 2 working days of the FR being raised.10. All queries raised or pending documents identified by HDFC need to examined and in case not found genuine, revert to HDFC immediately so that the file does not reflect in FR for the wrong reasons.11. If the FR status is agreed upon, then speak to the customer and / or the SO, resolve the query, update and revert to HDFC. In case the query resolution requires submission of a document, try to secure the same on email preferably so as to save time.