Underwriting Job Vacancies in Bangalore

SME Relationship Manager Company: Talent Zone ConsultantJob Title: Senior SME Relationship Manager / SME Lending Relationship ManagerExperience: 8-10 YearsLocation: Bangalore / Mysore / ChennaiEmployment Type: Full-timeJob SummaryTalent Zone Consultant is looking for an experienced SME Relationship Manager with 8-10 years of experience in SME lending, business banking, NBFC, FinTech or financial services.The ideal candidate will be responsible for SME customer acquisition, credit assessment, loan sourcing, portfolio management and revenue growth. The role requires strong knowledge of working capital, business loans, term loans and secured/unsecured SME lending, along with the ability to build long-term relationships with SME clients.Current SME banking roles in Bangalore emphasize acquiring, growing and retaining profitable SME portfolios, structuring appropriate credit facilities and managing portfolio returns.Key ResponsibilitiesAcquire new SME/MSME customers through direct sourcing, referrals, channels and market outreach.Develop and maintain strong relationships with SME business owners, promoters and key decision-makers.Manage the complete lending lifecycle from lead generation to sanction and disbursement.Understand customer business models, financial requirements and working-capital needs.Conduct preliminary credit assessment and financial analysis of SME borrowers.Analyse financial statements, cash flows, banking transactions and repayment capacity.Prepare and coordinate credit proposals and loan documentation with Credit and Risk teams.Handle Working Capital Loans, Term Loans, Business Loans, LAP and other SME lending products.Coordinate with Credit, Operations, Legal, Risk and Collections teams for timely processing and disbursement.Manage and grow an existing SME lending portfolio while maintaining portfolio quality.Track customer repayment behaviour, exposure, delinquency and credit risk.Identify cross-sell and up-sell opportunities across lending, payments, cash management and other financial products.Achieve monthly/quarterly acquisition, disbursement, revenue and portfolio growth targets.Build relationships with DSAs, channel partners, brokers and referral networks.Monitor market trends, competitor offerings and emerging SME financing opportunities.Ensure compliance with internal policies, KYC requirements, credit guidelines and applicable regulations.Required SkillsCore Skills:SME Lending, MSME Lending, Business Banking, Credit Assessment, Credit Analysis, Loan Processing, Loan Origination, Customer Acquisition, Portfolio Management, Relationship Management, Business Development, Financial Analysis, Financial Statement Analysis, Working Capital Loans, Term Loans, Business Loans, LAP, Secured Lending, Unsecured Lending, Credit Appraisal, Credit Underwriting, Risk Assessment, Portfolio Growth, Revenue Growth, Cross Selling, Upselling, Channel Management, DSA ManagementAnalytical / Technology Skills:Financial Modelling, Credit Risk Analysis, Banking Analysis, Cash Flow Analysis, MS Excel, CRM, MIS Reporting, Portfolio Analytics, Business AnalyticsSoft Skills:Client Relationship Management, Stakeholder Management, Negotiation Skills, Communication Skills, Presentation Skills, Business Acumen, Market Development, Problem Solving, Target OrientationCandidate Profile8-10 years of experience in SME/MSME lending, business banking, NBFC, FinTech or financial services.Strong track record in SME customer acquisition and portfolio management.Hands-on experience in credit assessment and loan processing.Good understanding of financial statements, cash flow and borrower creditworthiness.Experience handling working capital and term lending products is preferred.Candidates with experience managing high-value SME portfolios will be preferred.Strong ability to acquire new customers while retaining and expanding existing relationships.Experience working with Credit, Risk, Operations and Collections teams.MBA/PGDM in Finance/Marketing or equivalent qualification preferred.

Looking for Female candidate's only.for Min 4 years experience as overall and as Team- Lead need to have at least Min 1 year of experience of working as a TL on paper's.Needs to have Excellent Verbal and Written Communication SkillsWilling to work in AU shifts (starting from 1:30 AM onwards- it will be monthly rotational) with rotational weekly off.Should be preferably from international BPO backgroundNeed to have messaging experience as mandatory.Must have handled good team size and need to have good team handling experience

Hello,We are hiring Process Associate (Mortgage underwriting) for our company SBL Knowledge Services LtdAbout SBL Knowledge Services:Process Associate JDReview loan files for completeness and accuracy including but not limited to application and closing package, disclosures and their timelines, compliance report,Gather accurate data from appropriate documents, cash to/from borrower, fee thresholds/ tolerances calculations, reserves or impounds,Determine and document loan conditions, communicate requirements, and/or decisionsIdentify portfolio risks resulting from the client's underlying business practicesVery Good Communication skills both written and verbal.Basic working knowledge of US Mortgage Residential disclosures, fees and closing documents Note, Title, Purchase Contract, Security Instrument, Valuation, HUD, Loan Estimate, Closing Disclosure, Insurance docs, Flood CertIf interested send your updated resume with the Current CTC, Expected CTC, and Notice Period.Thank youSunitha skTalent AcquisitionSBL Knowledge Services LtdBangalore.

Reporting to the EVP & Global Chief Delivery Officer The SVP - Operations will play a critical role in managing scaling process by contributing to and taking ownership of the performance of the Business Unit in its growth, margin improvements, client, and employee satisfaction. This position would deeply be involved in shaping the strategy and operations for the respective Business Unit. Key Roles and Responsibilities: The role would be very hands on as the company accelerates its growth. Create and drive excellence in governance across the business unit and quality of reporting and escalation management. Develop/enhance the client cadence calls and ultimately be responsible/accountable for high NPS/Client Satisfaction scores. Drive enhanced Gross Margin and associated governance for the business unit Drive growth for the Business Unit. Sustain and drive growth from existing & new clients P&L responsibility for the respective BU. Formulate business strategies, address operational issues, resolve performance bottlenecks, and achieve revenue and profitability objectives both for growth and stressed revenue scenarios. Support Sales in sourcing new business from clients. Engage with diverse stakeholders, internal as well as external including Senior Leadership, Customers and Partners. Continually monitor the relevant external environment (e.g., market conditions, competitive environment, pricing, regulatory landscape) and drive appropriate improvements for the business. Drive automation projects for the current processes and look for continual value-added services for the client. Drive alignment on priorities across key business functions, including sales, operations, marketing, and strategy. Responsible for ensuring regulatory/client/contractual compliance and securing satisfactory client/regulatory audit rating. Education Qualifications, Experience and skill set required: Bachelors degree is mandatory. MBA from a premier institute preferred. Minimum 15-20 years of ex

Position: Senior Credit Analyst / Credit Risk AnalystExperience: 8+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is seeking an experienced Senior Credit Analyst for a leading BFSI organization in Bengaluru. The candidate will be responsible for conducting comprehensive credit assessments, evaluating the financial strength and creditworthiness of corporate/financial-institution clients, preparing credit appraisal and risk reports, monitoring portfolios, and providing well-reasoned credit recommendations.Key ResponsibilitiesConduct detailed credit assessment of corporate clients, financial institutions, NBFCs or other assigned portfolios.Analyse balance sheets, profit & loss statements, cash flows, capital structures and financial ratios.Prepare Credit Appraisal Memorandums (CAMs), credit notes, risk assessment reports and credit recommendations.Evaluate business models, industry risks, management quality, repayment capacity and overall creditworthiness.Perform financial modelling, cash-flow forecasting, sensitivity analysis and stress testing.Assess leverage, DSCR, EBITDA, working capital, liquidity and other key credit metrics.Conduct industry research, peer benchmarking and economic analysis to identify emerging credit risks.Recommend appropriate credit limits, lending structures, covenants and risk mitigants.Monitor existing portfolios, covenant compliance, financial performance and early-warning indicators.Review waivers, amendments, renewals and restructuring proposals where required.Ensure credit decisions comply with internal credit policies, risk appetite and applicable regulatory requirements.Work closely with Relationship Managers, Credit Risk, Legal, Operations and senior management.Present credit recommendations and risk findings to senior stakeholders/credit committees.Mentor junior credit analysts and review the quality of their credit deliverables.Identify opportunities for process improvement, automation and enhanced credit-risk reporting.Candidate Profile8+ years of relevant experience in credit analysis, credit underwriting, corporate banking, NBFC, financial institutions, structured lending or credit risk.Bachelor's/Master's degree in Finance, Commerce, Accounting, Economics or Business Administration.CA / MBA Finance / CFA / FRM preferred.Strong experience in corporate/non-retail credit analysis and underwriting.Excellent understanding of financial statements, accounting principles and credit-risk methodologies.Proven experience preparing credit appraisal notes and making independent credit recommendations.Strong stakeholder-management and team-mentoring capabilities.Ability to independently handle complex credit cases and work under strict timelines.