Role Overview The Credit Process Associate is responsible for managing the end-to-end credit application process, ensuring strict adherence to credit policies, KYC norms, and other requirements. The role involves analyzing applicant data, coordinating with external vendors, preparing credit appraisal reports, and ensuring timely limit updates.

The ideal candidate demonstrates a high level of attention to detail, analytical thinking, and the ability to work effectively in a fast-paced credit operations workplace.

Qualifications & Education

- Bachelors degree in Commerce (B.Com) or Master of Business Administration (MBA) in Finance or a related field.
- 03 years of experience in credit operations within the Banking, Financial Services, or NBFC sector.

Technical Skills

- MS Excel: Advanced proficiency, including VLOOKUP, pivot tables, data validation, and financial modelling.
- Bank Statement Analysis: Familiarity with software tools used for bank statement assessment and financial analysis.
- Credit Bureau Tools: Working knowledge of CIBIL report generation and interpretation.
- MIS Reporting: Experience maintaining and updating centralized data trackers and MIS dashboards.

Key Responsibilities

- Application Management: Receive, review, and process credit applications for completeness, accuracy, and compliance with internal credit policies.
- Verification & KYC: Conduct thorough KYC checks,



verify financial documents including GST returns and bank statements, and assess credit bureau reports (CIBIL).
- Credit Appraisal: Prepare Credit Appraisal Memorandums (CAM), calculate Average Bank Balance (ABB), and assess applicant eligibility to determine creditworthiness.
- Vendor Coordination: Liaise with external vendors for CIBIL reports, background verification, and other document verification services.
- Post-Sanction Management: Ensure all sanction conditions are met and manage the final credit limit update process accurately and in a timely manner.
- MIS & Tracking: Maintain Turnaround Time (TAT) standards, update the Centralized MIS for all applications, and support related reporting activities.
- Compliance & Quality: Ensure all processes adhere to internal guidelines, regulatory requirements, and data confidentiality standards.

Core Competencies

- High attention to detail with a strong focus on accuracy and data integrity.
- Analytical mindset with the ability to assess financial data and draw meaningful insights.
- Strong verbal and written communication skills for effective coordination with internal teams and external vendors.
- Ability to manage multiple tasks, prioritize work, and meet strict turnaround times.
- Team player with a proactive and solution-oriented approach.

📌 Credit Processing Associate (Bengaluru)
🏢 Vegrow
📍 Bengaluru