You will own credit quality for secured business loans (Micro LAP) in the Bhilwara and Shahpura territory. The role confirms that each file is assessed under the credit policy, that deviations are mitigated and documented, and that security creation and KYC requirements are met.
The employer hasn't shared the experience level or salary for this role.
What you'll do
- Check that every Micro LAP application is assessed under the credit policy, and that any deviation is mitigated and recorded.
- Assess applicants through personal discussions and interviews, and keep files moving within the agreed turnaround time.
- Build and maintain sound working relationships with borrowers.
- Work with sales and operations teams to gather accurate application data, and with relationship managers to resolve documentation gaps and audit queries.
- Oversee the security creation process for all secured loans.
- Confirm that KYC requirements, as issued by RBI and updated from time to time, have been followed.
What you bring
- Strong analytical ability and comfort processing data in spreadsheets.
- Able to assess clients without access to audited financial statements.
- Solid grasp of risk dimensions, including operational, credit and market risk.
- Willing and able to travel within the city as the role requires.
Full job description
Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations if any, are appropriately mitigated and documented.
The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline, and building a solid relationship with them.
He will also be coordinating with the sales team and operations team for collecting accurate data.
Ensuring proper security creation process for all secured loans
Ensuring that all KYC guidelines issued by RBI from time to time have been adhered to
Interacting with customers, assessing the applications, and ensuring that credit parameters have been adhered to
Relationship Management: Coordinating with the sales and relationship managers for ensuring proper documentation and rectifying any audit queries
Analytical skills and ability to process data on computer spreadsheets
Comfortable in assessing clients without access to audited financials
Deep understanding of risk and its various dimensions like operational risk, credit risk, market risk, etc
Willingness and ability to travel within the city.
Source: original posting. FitRole summarises the employer's posting; the original is the final word on the role.