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BriefCase

Assistant Credit Manager Personal Loans Job in Ujjivan Small Finance Bank Ltd

Assistant Credit Manager Personal Loans

Ujjivan Small Finance Bank Ltd 4+ weeks ago
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Job Summary
  • Review and underwrite personal loans up to Rs 5 Lakh. Recommend loans above Rs. 5 Lakh to Credit Manager.
  • Assess clients financial status through ratios like FOIR and ABB.
  • Verify the bureau score and interpret the CIBIL report for repayment and risk assessment
  • Review the documents provided by the customer - Payslip, bank statement, company ID, KYC documents, ITR etc
  • Check for the company on-boarding status and initiate if on-boarding to be done.
  • Ensure necessary verifications are triggered once the basic eligibility are met
  • Review the remarks provided by FCU, tele-verification and CPV (residence and/or office)
  • Follow up with verification team and agencies for reports
  • Conduct the personal discussion with the customer over the phone - conduct the verification based on the documents, financials and requirement.
  • Evaluate Credit worthiness of the customer, Risk associated and mitigates
  • Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix
  • Escalate and obtain necessary deviation approvals as per the policy
  • Responsible for portfolio quality of the loans underwritten for 12 months of booking

Ensures customer satisfaction by processing of loan applications within the TAT defined

  • Ensure adherence to all regulatory norms with respect to KYC, documentation and sanctioning of loans.
  • Ensure to participate and drive the successful implementation of product and technology based projects at field.
  • Maintain up to date knowledge of the product, performance in the geography and industry trends
  • Work in close co-ordination with Sales, Product and IT team and provide query resolution to all stakeholders regarding the product
  • Review policy on a regular basis and provide feedback on changes in the market trends to the policy team.
Ensure Daily and Monthly MIS are being published on time with accurate data
Experience Required :

3 to 7 Years

Vacancy :

2 - 4 Hires

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