Associate - Credit Process - Bank

Operations Executive

Credit Process Associate

Responsibilities:

- Supporting the credit manager with administrative tasks such as maintaining customer records and managing accounts receivable

- Reviewing applications for approval, denial, or further investigation, as needed

- Processing credit card applications and handling customer service inquiries

- Obtaining current credit reports from credit bureaus for new applicants or existing customers who request them

- Collecting past due payments, establishing credit lines, setting credit limits and resolving customer issues related to their accounts and eligibility for products

- Reviewing loan requests.

- Assessing customers' financial status.

- Evaluating creditworthiness and risks.

- Analysing and approve/reject loan requests

- Maintaining TAT for processing cases.

- Checking KYC documents and ensuring compliance.

- Handling customers on call regarding discussions on Loans, EMI, etc.

- Following up with customers for Completing Application process.

- Guiding customers for Completing E-Nach & Banking process.

- Convincing customers for taking loans as per approved ROI & Loan amount.

- Doing Video KYC of customers before disbursal of Loan.

- Experience in handling KYC document of Customers.

- Review financial position & all other documents attached which includes Salary slip, Bank Statement.

- End to end verification for disbursal.

Experience & Skills Required:

- 2+ years of work experience in Credit Operations Profile with handling Personal Loan/Credit Card/Mortgage/Home Loans in Banking & NBFC's.

- Should be comfortable with customer interaction.

- Team player should be able to work under pressure.

- Basic knowledge of Microsoft Excel & Word is compulsory.