Credit Assessment & Underwriting

- Analyze loan applications and assess customer eligibility.
- Evaluate income, repayment capacity, credit history, and financial stability.
- Conduct personal discussions and field investigations where required.
- Verify customer information, documents, and references.
- Recommend approval, rejection, or modification of loan proposals.

Documentation & Verification
- Ensure completion and accuracy of all loan documents.
- Verify KYC, income proofs, banking details, and collateral documents.
- Conduct fraud checks and identify potential risks.
- Maintain proper credit files and records.

Risk Management
- Assess credit risk and ensure compliance with company credit policies.
- Monitor exceptions and deviations from standard credit norms.
- Identify early warning signals and recommend corrective actions.
- Support portfolio quality improvement initiatives.

Portfolio Monitoring




- Track performance of approved loan accounts.
- Monitor overdue and delinquent accounts.
- Coordinate with collections teams for risk mitigation and recovery actions.
- Review customer repayment behavior periodically.

Compliance & Audit
- Ensure adherence to RBI guidelines, internal credit policies, and regulatory requirements.
- Support internal and external audits.
- Maintain confidentiality of customer information.
- Ensure compliance with all risk and operational controls.

Coordination & Support
- Coordinate with Sales, Operations, Legal, and Collection teams.
- Provide credit-related guidance to branch staff.
- Assist in achieving business growth while maintaining portfolio quality.

📌 Credit Officer (India)
🏢 equitas small finance bank
📍 India