RB – Collection & Underwriting:Centralized Credit Underwriting Officer – Retail Credit -Noida

AXIS Bank

  • Full Time
+91-22-24252525

To apply for this job please visit axiscareers.axisbank.co.in.

About Retail Lending:

The Collection & Underwriting department focuses on the collection of the bank’s various loan products like Home Loans, Car Loans, and Personal Loans among others. While Underwriting department focuses on risk mitigation towards the loan offered to the customers. The department is key for the Loans business vertical as it is responsible for controlling & ensuring timely EMI collection & maintaining risk of the business.

 

About the Role:

The Centralized Credit Underwriting Officer is a part of the team that manages the Pan India credit appraisal process for Personal Loans, Auto Loan, Credit Cards (Commercial and Retail) and is also responsible for the credit process pertaining to Retail Asset FCY Loan & Over Draft Against Fixed Deposits (Individuals) and Gold Loan High Value credit underwriting. The role encompasses the end to end credit operation process including vendor management

 

Key Responsibilities

· Manage underwriting process for Retail Assets/Credit Cards within Retail Lending vertical

· Appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority

· Assess the income, ability, intention, & credit behaviour and verify it documents & reference checks as well as from various kinds of credit bureau checks.

· Responsible for evaluating all the credit risk parameters and taking measures to mitigate the same

· Responsible for preparing the Credit Approval Memo and for managing the overall TAT, Approval Rate

· Ensure complete adherence to laid down policy and procedure / process

· Responsible for Fi initiation and completion on respective systems

Qualifications:

Optimal qualification for success on the job is:

· Graduation/ Post- Graduation from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

· Knowledge of regulatory guidelines and norms

· Should possess operational and system knowledge

· Good communication (both verbal and written) skill in both English and the local language

· Ability to manage complex client situations

· Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

· Ability to handle pressure and meet deadlines

Job Overview