Credit Operations Job Vacancies in Delhi NCR

Key Responsibilities:1. Assessing creditworthiness: Reviewing financial information, credit scores, and payment history of clients to determine if they qualify for credit.2. Analyzing risk: Evaluating the risk associated with extending credit to clients based on their financial status and market conditions.3. Making credit decisions: Deciding whether to approve, deny, or modify credit applications based on the analysis conducted.4. Monitoring credit accounts: Tracking the repayment behavior of clients to ensure they are meeting their credit obligations.5. Providing recommendations: Offering suggestions for credit terms, limits, and repayment schedules to mitigate risk and maximize profitability.Required Skills and Expectations:1. Bachelor's degree in finance, accounting, or a related field.2. Strong analytical skills to interpret financial data and assess credit risk.3. Experience with financial modeling and risk assessment techniques.4. Excellent attention to detail and ability to make sound judgments.5. Good communication skills to interact with clients and colleagues effectively.6. Knowledge of regulatory requirements and compliance standards related to credit analysis.

Tele collection. Tele calling

Have good convincing skills and willing to quick Learner

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

ResponsibilitiesContact customers via phone, email, or mail to collect outstanding debtsNegotiate payment plans and repayment schedules with customersResolve disputes or conflicts related to paymentsMaintain accurate records of customer interactions and transactionsMonitor customer accounts to ensure timely payments and prevent overdue debtsIdentify and address any issues or reasons for non-paymentCollaborate with the finance team to implement strategies for faster collectionsProvide regular reports on collection activities and outstanding debtsQualificationsProven experience as a collections executive or similar roleExcellent communication and negotiation skillsAbility to handle difficult situations and resolve conflictsStrong attention to detail and accuracyGood knowledge of debt collection laws and regulationsProficient in using collection software and CRM systemsAbility to work independently and meet collection targetsBachelor's degree in finance or a related field is preferredSkillsStrong communication and interpersonal skillsNegotiation and persuasion skillsProblem-solving and conflict resolution skillsAttention to detail and accuracyKnowledge of debt collection laws and regulationsProficiency in using collection software and CRM systemsAbility to work independently and meet collection targets

Checking of LC (Letter of Credit) and relevant documents.Responsible of checking the Hard Copy of documents and preparation of set for BanksResponsible to fill checklist for every set of LC documentsBuild good relationship with existing teamTwo wheeler is must

The role will involve reviewing loan files for completeness and analyzing the credit worthinessof clients. Selected candidate will be required to prepare Loan Eligibility working sheets forunderstanding the credit worthiness of client. Key responsibilities will include: Analyzing the financial statements and Bank statements of clients. Reviewing the files as per credit policy of various banks. Checking the file for completeness of documents and communicating the deficiencies tothe concerned sourcing unit/ channel partner/ client. Sending the files to bank for processing and continuous follow-ups thereafter. Ensure timely Logins of files and follow-up for sanctions with Bankers. Completing loan disbursement documentation, coordinating with concerned sourcingunit/ channel partner/ client for completing disbursal formalities Follow up for disbursal with Banks.* We are entrepreneurs and we believe in taking risks. If you do not have the specified workexperience, but strongly believe that you are apt for the role, we will love to hear from you.Please feel free to convince us.

Hiring for 1 Credit Associate Job in Gurgaon, Haryana for Freshers,Required Educational Qualification is : Other Bachelor Degree, B.B.A, B.Com with Good knowledge in Credit Executive,Finance Executive,Credit Operation Executive etc.

Role: Credit Assessment OfficerResponsibilities:Review loan requestsAssess clients financial statusEvaluate creditworthiness and risksContact clients to gather financial data and documentationAnalyse risks and approve or reject loan requestsCalculate financial ratios (e.g. credit scores and interest rates)Set up payment plansMaintain updated records of loan applicationsFollow up with clients about loan renewalsMonitor progress of existing loansRequirements:Proven work experience as a Credit Officer, Loan Officer or similar roleHands-on experience with lending procedures and productsAbility to create and process financial spreadsheetsStrong analytical skillsCustomer service experienceMBA/BCom/BSc in Banking and Finance, Economics or related fieldJob Types: Full-time, Regular / PermanentSalary: 20,000.00 - 30,000.00 per monthSchedule:Morning shiftExperience:total work: 1 -5 year (Preferred)

1. Understand the Insurance business end to end.2. Analyze and input data into systems/ database.3. Issue policies/ invoices on behalf of the client.4. Reconciliations.5. To perform tasks effectively and efficiently.Requirements1. Graduates ( BBA, BA, B.com).2. Good written and Verbal communication.3. Strong analytical skills.4. Knowledge of MS-Excel.5. Analyzes and Synthesizes information/ Make decisions based on policies.6. Freshers for Insurance Operations.

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

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

To identify new banks worldwide and explore Trade Finance Opportunities with them & henceforth solutions for the clients. To ensure to provide accurate product based knowledge to clients. Expertise in LC drafting, proposal framing as per requirement of client and bank.Awareness of UCPDC & ISBP guidelines.