Evaluate loan applications for retail, MSME, or corporate loans (as assigned).
Analyze financial statements, income documents, bank statements, and cash flows.
Review credit bureau reports (CIBIL/Experian/Equifax) and assess borrower creditworthiness.
Recommend or approve loan amount, tenure, pricing, and security/collateral.
Identify credit risks and mitigants.
Ensure adherence to credit policy, delegation of authority (DOA), and risk frameworks.
Propose appropriate loan structuring to minimize risk.
Verify KYC, legal, technical, and valuation reports.
Ensure compliance with RBI guidelines, internal credit norms, and audit requirements.
Coordinate with legal, technical, and operations teams for loan processing.
Monitor loan portfolio performance and early warning signals.
Support NPA prevention, restructuring, and recovery strategies.
Participate in credit reviews and portfolio audits.
Competitive fixed salary
Performance-based incentives / bonuses (in some banks & NBFCs)
Group Mediclaim / Health Insurance (self + family)
Life Insurance & Accidental Cover
Provident Fund (PF)
Gratuity (as per eligibility)
Staff salary account with zero/low charges
Preferential interest rates on:
Home loans
Car loans
Personal loans
Discounts on banking services
Paid leaves (casual, earned, sick leave)
Public holidays
Maternity / paternity leave (as applicable)
Axis Bank Limited — Company Profile Network & Presence Total Employees: ~104,400 Branches in India: 5,876 ATMs & Cash Recyclers: 13,941 Overseas Offices: 8 Rural / Semi-Urban Branches: ~47% of total branches... Read More