Credit Manager

RKP Finance

Tonk Phatak, Jaipur

₹25,000 - ₹40,000 monthly

Fixed

25000 - ₹40000

Earning Potential

40,000

Work from Office

Full Time

Min. 3 years

Good (Intermediate / Advanced) English

Job Details

Interview Details

Job highlights

Fast HR reply

HR responded to 100% candidates in last 1 days

193 applicants

Benefits include: Annual Bonus, PF, Travel Allowance (TA), Petrol Allowance, Laptop

Job Description

·       Reviewing credit applications from potential customers to determine whether they qualify for loans

· Mapping client’s requirements providing customized collaterals; understanding their functional processes requirement through interviews / discussions

· Maintain Credit TAT

· Manage Credit Underwriting as per policy

· Disbursal of loans including all checks and verifications

· Conduct personal discussion with customers to establish Credit worthiness.

· Pre and post sanction credit risk compliance.

· Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.

· Control on portfolio performance.

· Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM).

· Stay up to date on the latest trends and developments in the credit underwriting industry.

· Operations Management

· Drives efficient day-to-day operational running of the department measured by no Client complaints and all SLAs met.

  • Attends regular operations meeting and client calls.
  • Verification of all key deal terms (Agreement Amount, Tenure, Interest Rate, Interest reset details etc.) sanctioned v/s executed Verification of all key deal terms, pre-sanction and pre-disbursement conditions prior to circulation of disbursement memo to all stakeholders as per defined approval matrix
  • Tracking, monitoring and driving closure of all open pre and post disbursement conditions.
  • Responsible for all loan disbursements and company losses related to disbursements.
  • Checking and verification of critical single borrower and group borrower limits prior to disbursement
  •  Proper satisfaction of KYC requirements and Loan Application form from borrowers as per defined KYC checklist, pre-sanction checklist etc.
  • Conduct of proper regulatory checks (CIBIL, RBI and other caution lists, World Check etc.)
  •  Ensuring all sanctioned terms and conditions including clauses pertaining to security have been accurately incorporated in the Sanction Letter
  •  Ensuring that Sanction Letter has been signed by the authorized signatories and duly acknowledged by the borrower
  • To ensure executed documents are duly signed by an authorized signatory - both at Lender & Borrower's side.

·       

Job role

Work location

RKP Finance Pvt. Ltd. (Formerly RKP Consultants Pvt. Ltd.), Gopalpura Bypass Road, Vidhut Nagar, Vasundhara Colony, Gopal Pura Mode, Jaipur, Rajasthan, India

Department

Banking / Insurance / Financial Services

Role / Category

Banking/Loan Sales

Employment type

Full Time

Shift

Day Shift

Job requirements

Experience

Min. 3 years

Education

Graduate

Past role/category experience

Finance, Banking Operations, Lending Operations, Banking/Loan Sales, Operations Planning & Control

Skills

Risk management, Loan operation, Market risk, Operational risk

English level

Good (Intermediate / Advanced) English

Age limit

22 - 45 years

Gender

Any gender

Interview details

Interview mode

In person

Interview address

RKP Finance Pvt. Ltd. (Formerly RKP Consultants Pvt. Ltd.), Gopalpura Bypass Road, Vidhut Nagar, Vasundhara Colony, Gopal Pura Mode, Jaipur, Rajasthan, India

About company

Name

RKP Finance

Address

RKP Finance Pvt. Ltd. (Formerly RKP Consultants Pvt. Ltd.), Gopalpura Bypass Road, Vidhut Nagar, Vasundhara Colony, Gopal Pura Mode, Jaipur, Rajasthan, India

Job posted by RKP Finance

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