Risk Fresher Jobs in Siliguri

Main Roles and ResponsibilitiesMeet with customers to understand their borrowing needs.Explain different loan products (home loans, personal loans, business loans, vehicle loans, etc.).Collect and verify financial documents such as income proof, bank statements, and credit history.Assess the applicant's creditworthiness and repayment capacity.Conduct risk analysis and recommend loan approval or rejection.Coordinate with credit, legal, and operations teams.Ensure compliance with banking regulations and internal policies.Monitor existing loan accounts and follow up on repayments when necessary.Build relationships with customers and generate new loan business.Key Skills RequiredKnowledge of banking and lending products.Financial analysis and credit assessment skills.Communication and customer service abilities.Sales and business development skills.Attention to detail and documentation management.Basic understanding of banking regulations and compliance requirements.Typical QualificationsBachelor's degree in Commerce, Finance, Business Administration, Economics, or a related field.Banking certifications can be an advantage.Experience in sales, banking, finance, or customer relationship management is often preferred.Career ProgressionA Loan Officer can advance to roles such as:Junior Loan Officer / Credit OfficerSenior Loan OfficerRelationship ManagerCredit ManagerBranch ManagerRegional Credit Head or Lending Operations Manager

We are looking for a Banking KYC Executive to join our team in Siliguri. This role involves important tasks related to customer verification and compliance within the banking sector. **Key Responsibilities:**- **Customer Identification:** Verify and validate the identity of new and existing customers to comply with legal regulations.- **Document Collection:** Collect necessary documents from customers, ensuring they are complete and up to date to proceed with KYC processes.- **Data Entry:** Accurately input customer information into the banking system, maintaining precise records for compliance and reporting.- **Risk Assessment:** Conduct preliminary assessments to identify any potential risks associated with customer accounts.- **Communication:** Provide clear instructions and support to customers regarding KYC requirements and help resolve any queries they may have.- **Reporting Issues:** Report any discrepancies or suspicious activities to senior management to ensure compliance with regulations.**Required Skills and Expectations:**Candidates should have a minimum education of 12th grade. While prior experience in banking or KYC processes is beneficial, it is not mandatory, making this an excellent opportunity for recent graduates. Strong communication skills are essential, as you will interact directly with customers. Attention to detail is critical to ensure accuracy in customer information and compliance reports. A basic understanding of banking operations and regulatory requirements is preferable. The ideal candidate should be proactive, organized, and able to work independently in an office setting.

Main Job Roles of a KYC Officer in Axis BankVerify customer identity documents like Aadhaar, PAN, passport, voter ID, etc.Conduct Video KYC (VKYC) or physical KYC verification for new customers.Check customer details for accuracy and fraud prevention.Ensure compliance with RBI, AML (Anti-Money Laundering), and banking regulations.Help customers during account opening and onboarding.Maintain customer records and update KYC information.Handle customer queries related to KYC and account verification.Use banking software and digital tools for verification processes.Coordinate with branch staff and operations teams.Cross-sell basic banking products in some roles.Skills RequiredGood communication skills (English + local language)Basic computer knowledgeAttention to detailCustomer handling abilityKnowledge of banking operationsTeamwork and problem-solving skillsEligibility / CriteriaGraduation in any streamFreshers can apply for entry-level VKYC rolesBanking/BFSI experience is preferred but not always mandatoryGood verbal communication is importantWork EnvironmentBranch office or virtual banking centerRotational shifts may apply in VKYC departmentsMostly desk/computer-based workTarget and compliance-oriented roleCareer GrowthKYC Officer Senior Officer Assistant Manager Operations/Compliance Manager.