Credit Officer

Equitas Small Finance Bank Ltd.; Tiruchirappalli, Karur; On-site; INR 350,000 - 520,000; Full time

Job summary

Equitas Small Finance Bank Ltd. is seeking a Credit Officer at the KARUR branch, Tamil Nadu. The role focuses on sourcing LAP and housing finance, empanelment of connectors, and end-to-end loan processing with emphasis on documentation and repayment tracking.

The candidate will lead a small team, drive branch targets, and ensure timely disbursement and collections while delivering cost-effective service to customers in the region.

Qualifications

• Experience in lending for LAP and housing finance products.
• Ability to assess income and eligibility through discussions and field visits.
• Proven track record in sourcing and processing loan applications.

Responsibilities

• Source LAP and housing finance through connectors and self-sourcing.
• Empanel new connectors to source HF and LAP business.
• Process LAP and Micro Housing loans by assessing income via discussion, field visits and documents.
• Track and ensure repayments of disbursed loans.
• Be a high-performing individual and a team player.
• Build and nurture team and enable high performance within branch capacity and budget.
• Lead generation and conversion for existing customers needing LAP/housing finance.
• Ensure delivery of Equitas products and services with prompt repayments.
• Sourcing and completion of loan documents and follow-up through disbursement.

Skills

LAP Sourcing

Housing Finance

Empanelment

Loan Documentation

Repayment Tracking

Team Leadership

Lead Generation

Job description

Credit Officer

Employment Type Permanent

Employment Category Office

Entity Equitas Small Finance Bank

Business Unit Assets

Division/Function (SBU) Affordable Housing

Department Housing Loan

Sub-Department Credit

Generic Role Credit Officer

External Title (Job Role) Credit Officer

Division Affordable Housing

Zone South

State Tamil Nadu

PT Location TN-Karur

Branch Code 1250

Branch Name KARUR

Job Description

Key Responsibilities:

• Sourcing of LAP & Housing finance through connectors & self-sourcing.
• Empanelment of New connecters to source business in HF & LAP
• Process of LAP & Micro Housing loan by accessing their income through personal discussion & field Visit & documentation.
• Track and Ensure Repayments of the Loan disbursed
• An Individual player with high performance and be a team player
• To Build and Nurture team & enable them to achieve high performance as per the branch capacity & budget.
• Lead generation & conversion for existing customers who require LAP/housing finance.
• Ensure consistent delivery of Equitas products and services and prompt repayment in an efficient and cost effective manner
• Sourcing & Completion of Loan document application form and follow-up to be don till disbursement stage