Field Credit Officer Aye Finance

Locations: Hoshiarpur & Dasuya, Punjab

Employment Type: Full time

Role Overview The Field Credit Officer is responsible for conducting on-ground credit assessments, field verification, and financial evaluations of micro, small, and medium enterprises (MSMEs). This role involves visiting customer premises, analyzing business cash flows, and ensuring sound underwriting for micro-loans.

Key Responsibilities

- Conduct personal discussions (PD), physical business/residence verification, and stock checks for applicants.
- Evaluate customer cash flows, income streams, and repayment capacity through informal and formal financial assessment tools.
- Coordinate with sales and operations teams to collect necessary loan documentation and KYC.
- Assess risk factors and prepare clear, detailed field appraisal reports (FAR).
- Assist in early delinquency monitoring and loan recovery efforts when required.

Qualifications & Skills

- Education: Graduation in any stream (Commerce/Finance preferred).
- Experience: 1–3 years in field credit appraisal, microfinance, MSME lending, or NBFC operations.
- Requirements: Valid driver's license and personal two-wheeler (mandatory for local travel in Hoshiarpur/Dasuya).
- Skills: Strong local geographical knowledge, fluency in Punjabi and Hindi, analytical mindset, and cash-flow assessment skills.





Branch Credit Officer — Aye Finance Locations: Hoshiarpur & Dasuya, Punjab

Employment Type: Full-time

Role Overview The Branch Credit Officer is responsible for desk underwriting, risk analysis, and final decisioning/recommendation of MSME loan applications within the branch. This role balances risk compliance with operational efficiency to ensure sound portfolio quality.

Key Responsibilities

- Underwrite micro and small business loan proposals in alignment with company credit policy guidelines.
- Review field appraisal reports, banking statements, CIBIL reports, and financial documentation submitted by Field Credit Officers.
- Identify potential risk flags, fraud risks, and industry-specific market trends in the local cluster.
- Maintain turnaround time (TAT) targets for loan processing while ensuring zero compromise on credit quality.
- Interact directly with clients during branch-level personal discussions or spot audits as needed.

Qualifications & Skills

- Education: Graduate/Postgraduate in Commerce, Business Administration, Finance, or related fields.
- Experience: 2–4 years in desk credit underwriting/assessment within NBFCs, microfinance, or retail banking.
- Skills: In-depth credit risk analysis, CIBIL/bureau reading, local industry knowledge, and proficiency in loan management software.

📌 Walk-in || Credit Field Officer (Dasuya)
🏢 Aye Finance
📍 Dasuya