- Sourcing & Sales: Identify prospective borrowers, market retail or business loan products, and meet monthly disbursement and portfolio targets
- Credit Evaluation: Interview applicants, review credit history, and analyze bank statements, income proofs, and financial records to check eligibility.
- Risk & Structuring: Calculate debt ratios, determine loan amounts, and set repayment terms or collateral needs.
- Documentation & Closing: Collect KYC papers, complete loan agreements, and coordinate with internal risk or underwriting teams for final sanction.
- Portfolio Monitoring: Track timely EMI recoveries, follow up on overdue payments, and help minimize non-performing assets (NPAs)
- Experience: 1 to 4 years of proven experience in retail or commercial lending, preferably within an NBFC or financial institution.
- Skills: Strong local market networking, good numerical and financial analysis abilities, clear communication, and negotiation skills.
- Knowledge: Familiarity with local lending laws, RBI guidelines (for Indian markets), and loan origination software