To have real-world hands-on experience with customer handling, client verifications regarding credit worthiness, reputation and repayment capacity of the borrowers having a technical & practical aptitude, strong multi-language communication skills and a collaborative work style.
- Onsite pre-disbursement verification of the clients, guarantors & co-borrowers in line with credit policy & procedures in order to assess the character, capacity, capital and conditions of the parties involved in lending.
- Onsite Post disbursement verification in order to assess the correct utilization of the loan amount availed by the borrower.
- Periodic risk assessment of asset portfolio through portfolio reviews to mitigate recovery risk & for effective portfolio management.
- Periodic assessment of different stakeholders linked with asset portfolio (Goldsmiths, Vet. Doctors, valuators etc.)
- Reporting of the findings identified through pre/post verification checks to line manager and suggest mitigations to improve portfolio quality.
- Reporting the findings through assessment of other stakeholders linked with asset portfolio
- Assistance in identification of clients during handing/taking of asset portfolio.
- Assistance of the portfolio review team in RCSA exercises, fraud investigations, and independent collateral assessments
- Other tasks assigned by the Line Manager,
Reporting Skills, MS Office, Communication Skills, Client Verification,