Experience: 2-4 years

Type: Full-Time

Location: Faridabad

Description: We are seeking a results-driven Credit Relationship Manager to manage and grow a portfolio of clients while ensuring high-quality credit underwriting and risk management. You will be responsible for evaluating loan proposals, managing client relationships, and ensuring timely credit approvals and disbursements. This role requires strong financial analysis skills, customer-centric thinking, and knowledge of credit policies and regulatory compliance.

Key Responsibilities:

• Develop and maintain strong relationships with existing and potential clients to generate new business opportunities.
• Analyze client creditworthiness by assessing financial statements, cash flows, business viability, and market conditions.
• Prepare credit proposals, risk assessments, and present cases to the credit committee for approval.
• Monitor credit limits, track repayments, and ensure timely collections to minimize delinquency.
• Ensure compliance with internal credit policies and regulatory frameworks (e.g., RBI, NBFC norms).
• Collaborate with risk, legal, and operations teams to streamline the end-to-end credit process.

Requirements:

• Bachelors degree in Finance, Commerce, Business Administration, or related field
• 2–5 years of experience in credit assessment, relationship management, or lending roles (preferably in NBFC, Bank, or Fintech).
• Proficient in MS Excel, financial modeling, and loan management software.
• Excellent interpersonal and communication skills.
• Ability to work under pressure and manage multiple client relationships effectively.

Preferred Skills:

• Knowledge of SME/MSME lending, personal/business loans, or secured/unsecured credit products.
• Familiarity with KYC norms, credit bureau reports (CIBIL, Experian), and regulatory compliance.
• Negotiation and client acquisition skills.
• Local market knowledge and client networking ability.

Apply: hr@pulsifinserve.com

Experience: 1-3 years

Type: Full-Time

Location: Faridabad

Description: We are seeking a detail-oriented and analytical Loan Risk Evaluator to assess the creditworthiness of individuals and businesses applying for loans. The role involves analyzing financial data, verifying documentation, identifying risks, and making informed recommendations to ensure sound lending decisions and portfolio quality.

Key Responsibilities:

• Evaluate loan applications by assessing financial statements, credit reports, income sources, and repayment capacity.
• Analyze applicant risk using credit scoring models, internal policies, and regulatory guidelines.
• Identify potential red flags, fraud indicators, or inconsistencies in documents and data.
• Recommend loan approval, rejection, or modifications with clear justifications.
• Ensure compliance with lending policies, RBI/NBFC regulations, and KYC/AML norms.
• Collaborate with credit analysts, relationship managers, and collections teams to ensure a 360° view of borrower risk.
• Maintain accurate records of evaluations, decisions, and rationale for audits and reporting.
• Continuously update risk models, scoring criteria, and evaluation frameworks based on market trends.

Requirements:

• Bachelor degree in Finance, Accounting, Economics, or a related field
• 2–4 years of experience in credit risk analysis, underwriting, or loan processing (preferably in banks, NBFCs, or fintech).
• Strong understanding of financial ratios, cash flow analysis, and risk assessment techniques.
• Familiarity with credit bureau reports (e.g., CIBIL, Experian), fraud detection tools, and credit scoring software.
• Attention to detail, analytical thinking, and decision-making ability.
• Proficient in Excel and risk evaluation tools.

Preferred Skills

• nowledge of retail, SME/MSME, or unsecured loan products.
• Excellent communication and documentation skills.
• Experience working with LOS/LMS (Loan Origination/Management Systems).

Apply: hr@pulsifinserve.com