Risk Manager
- Full Time
- View on Map
- @Abhiyan Capital posted 7 months ago
- Posted : September 10, 2024 -Accepting applications
- View(s) 228
Job Detail
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Job ID 4481
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Offered Salary 28566
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Career Level Manager
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Experience 3 Years
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Gender Male
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Industry Finance
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Qualifications Degree Bachelor
Job Description
Department :– Credit
Company:- Abhiyan Capital
Graduation
Team Handling Experience
Salary As per industry Norms
The role primarily involves assessing credit risk and ensuring proper processing of home loans, LAP and mortgage applications. Here’s a breakdown of the job responsibilities and qualifications:
Job Responsibilities:
1. Customer Application Screening and KYC: Thoroughly screen and evaluate customer loan applications, ensuring all necessary Know Your Customer (KYC) documentation is complete and accurate. Verify the identity and financial details of applicants.
2. Income Document Verification: Review and validate income documents submitted by customers to assess their repayment capacity. Ensure that income documentation meets the lending criteria.
3. Initiate Legal, Valuation, CIBIL, and Verification Reports: Coordinate and initiate the necessary legal, property valuation, Credit Information Bureau (CIBIL), and other verification reports to assess the creditworthiness of loan applicants.
4. Risk Assessment: Analyze inherent credit, collateral, operational, and fraud risks associated with loan applications.
5. Training: Provide regular training to sales and credit teams to enhance their skills and knowledge.
6. Task Management: Organize and perform tasks within defined Turnaround Time (TAT) for loan processing.
7. Documentation: Prepare customer assessment report, cash flow analyses, and bank statement analyses.
8. Compliance: Manage and ensure compliance with OTC and Post Disbursal Documents (PDD).
9. Team Management: Supervise a team of 3-5 credit managers in branches within the cluster.
10. MIS Reporting: Maintain portfolio Management Information System (MIS), Delinquency MIS, and other related MIS for the cluster and report regularly.
11. Support: Provide support to the business team for the smooth processing of loan proposals.
12. Review: Review early warning and non-starter cases to address potential issues.
Other Responsibilities:
Credit Knowledge: Possess good knowledge of credit bureau checks, property valuation, legal reports, and documentation.
Computer Skills: Proficiency in data entry, MS-Word, Excel, PowerPoint, and MIS management.
KYC Knowledge: Familiarity with Know Your Customer (KYC) processes.
Technical Knowledge: Understanding of technical aspects relevant to the role.
Geography Knowledge: Good knowledge of the geography related to the lending operations.
Documentation Management: Efficiently manage loan documentation processes.
Abhiyan Capital Job Document required –
Latest resume,
color passport photo,
Educational certificates,
KYC documents (Aadhaar Card/ Voter ID)
Driving License
Pan Card
Experience: The candidate should have at least 4+ years of relevant experience in the field of home loans, LAP, or mortgage lending.
Job Type :- Full time
Immediate joiner will be preferred. Please email your CV at
ankita.chaudhary@abhiyancapital.com
rabi.baishya@abhiyancapital.com
money.khanna@abhiyancapital.com
