01Key Responsibilities
Credit Assessment: Analyze creditworthiness of applicants by evaluating their financial history, repayment capacity, and the value of collateral.
Loan Origination: Oversee the loan application process, ensuring that all documentation is accurate and complete.
Risk Management: Identify potential risks in loan proposals and take appropriate measures to mitigate those risks.
Customer Interaction: Maintain strong relationships with customers, ensuring a smooth loan process and resolving any issues that arise.
Team Collaboration: Work closely with branch operations and sales teams to achieve business targets.
Compliance: Ensure that all loans are processed in compliance with regulatory guidelines and internal policies.
Monitoring & Reporting: Track loan performance and provide regular reports on loan disbursals, defaults, and collections.
Collections Management: Manage the collections process for overdue loans, working with customers to recover dues effectively.
Training & Development: Mentor and guide junior staff to enhance their credit assessment skills and product knowledge.
Market Research: Stay updated on market trends, competitor offerings, and customer needs to enhance product offerings.
Location:
Punjab: Zirakpur, Kharar, Patiala
Haryana: Karnal
Skills & Qualifications:
Minimum 3 years of experience in Secured Loans, including Home Loans, Loan Against Property, etc.
Strong analytical skills and a keen eye for risk management.
Excellent communication and interpersonal skills.
Ability to handle high-pressure situations and meet deadlines.
Proven track record in achieving sales and financial targets.
Graduate in any discipline (preferred: finance, business, economics).
Up-to-date knowledge of lending regulations and NBFC operations.
Benefits:
Competitive salary and performance-based incentives
Career growth opportunities within a growing organization
A collaborative and supportive work environment .
