Credit Assessment & Analysis
Analyze financial statements, cash flows, and repayment capacity of applicants.
Conduct due diligence on borrowers, guarantors, and collateral.
Assess sectoral, market, and economic risks impacting credit exposure.
Loan Underwriting & Approvals
Prepare detailed credit appraisal notes and risk ratings.
Recommend loan structures, covenants, and repayment terms.
Work with Credit Committees for sanctioning/approvals.
Portfolio & Risk Monitoring
Monitor borrower performance post-disbursement.
Identify early warning signals of stress or default.
Assist in setting credit limits and exposure thresholds.
Compliance & Documentation
Ensure adherence to internal credit policies and RBI/Regulatory guidelines.
Review and validate loan documentation, collateral valuation, and security creation.
Cross-Functional Coordination
Collaborate with Relationship Managers, Risk Teams, and Legal for loan structuring.
Support recovery/collections in case of stressed assets.
| Benefit Type | What You Might Get |
|---|---|
| Compensation & Bonuses | Competitive base salary; performance‐based bonuses tied to credit portfolio health or meeting approvals & risk targets. |
| Allowances | Travel allowance, lunch / food allowance, communication (phone/internet) allowance, relocation if needed. |
| Health & Insurance | Medical insurance, life insurance, sometimes accidental/disability insurance. Coverage may extend to family. |
| Retirement / Provident Fund | Contributions to PF, pension schemes, gratuity etc. |
| Paid Time Off | Annual leave, public holidays, sick leave; sometimes extra leaves (for exam study, personal). |
| Flexible / Hybrid Working | Depending on employer, flexible hours or work from home options may be available. |
| Training & Development | On‐job training, workshops, certifications (e.g. risk analysis, financial modeling), opportunity to upskill. |
| Career Growth | Clear paths to senior credit roles, risk management, credit committee, underwriting leadership. |
| Work-Life Balance | Though deadlines and risk emergencies exist, many credit roles offer somewhat stable schedules compared to sales or front-line roles. |
| Other Perks | Maybe stock options or ESOPs (if in a private or foreign institution), wellness or gym programs, cafeteria, employee assistance programs. |
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