We are hiring a Credit Officer in Gurgaon.

Job Description:

We are hiring a Credit Officer in Gurgaon.

Position: Credit Officer (CO)
Sector: NBFC (Non-Banking Financial Company)

Location: Gurgaon

Salary: ₹3 LPA - ₹4.20 LPA
Qualification: Graduation (Must)
Experience: Minimum 3 years as a Credit Officer in Home Loans (HL)
Age: 22-33 years (Flexible with more experience)

Role Overview:

We are seeking a highly analytical and experienced Credit Officer to join our NBFC team. The Credit Officer will play a critical role in credit appraisal, risk assessment, and ensuring compliance for home loan applications. This role demands a proactive individual with strong decision-making and communication skills to contribute to the growth and efficiency of our credit operations.

Key Responsibilities:

1. Credit Appraisal: Conduct detailed credit evaluations and assess financial viability for home loan applicants.
2. Risk Assessment: Identify, analyze, and mitigate credit risks while ensuring adherence to company policies and regulatory standards.
3. Compliance Management: Ensure all credit approvals comply with company policies and legal guidelines.
4. Decision-Making: Make informed decisions on loan approvals, keeping in mind organizational objectives and risk tolerance.
5. Communication: Coordinate effectively with internal teams, clients, and stakeholders to process applications efficiently.
6. Documentation: Review and verify applicant documents for accuracy and authenticity.
7. Market Insights: Stay updated on market trends, credit policies, and competitor practices in the home loan sector.
8. Reporting: Prepare and present credit reports, recommendations, and observations to senior management.
9. Team Collaboration: Work closely with the sales and operations teams to streamline the credit approval process.
10. Customer Engagement: Address customer queries and provide guidance on credit policies and processes.

Key Skills & Qualifications:

• Educational Background: Graduation (mandatory).
• Experience: At least 3 years in credit appraisal and risk assessment, specifically in Home Loans (HL).
• Skills:
  • Strong analytical and decision-making abilities.
  • Excellent written and verbal communication.
  • In-depth knowledge of credit policies, risk assessment, and compliance.

Preferred Candidate Profile:

• Proactive, detail-oriented, and results-driven.
• Ability to manage multiple credit applications and maintain accuracy under tight deadlines.
• Familiarity with credit scoring models and financial analysis tools.