Key highlights of the role are listed below (purely indicative and not limiting):
Underwriting of loans/credit cards and ensuring good portfolios in assigned area by identifying potential credit and operating risks.
Ensure adherences to credit processes and policies.
Good knowledge of credit bureau checks and KYC norms.
Understanding of inherent credit collateral operational & fraud risk.
Should have full knowledge of product and policy and constantly update themself with all relevant changes which can impact the customer repayment capacity and performance ability.
Adhering to the company’s policies and ensuring compliance of the same.
Keep close watch on turnaround time and ensure speed with accuracy.
Compliance & Risk responsibilities awareness of post disbursal documentation (PDD) and Audit query resolution.
Should be able to understand various business profiles of self-employed & non-professional.
Applicants should possess the following attributes:
Excellent attention to detail.
Good communication skills & command over English.
Computer skills viz MS Office.
Good Interpersonal skills.
Prior experience in credit risk profiles preferable.
Prior experience with Unsecured Lending is preferable.
Company Introduction
BOB Financial Solutions Limited is a wholly owned subsidiary of Bank of Baroda and a Non-Deposit Accepting Non–Banking Finance Company (NBFC). BFSL was established in the year 1994 to cater to the need of rapidly growing credit card industry in a focused manner. BFSL is one among the pioneers in Indian card market and was the first nonbanking company in India to issue credit cards.
The Company’s core business is credit card issuance and consumer lending. It also provides support to Bank of Baroda by carrying out its merchant acquiring operations.
