Job Description

Key highlights of the role are listed below (purely indicative and not limiting):

+ Underwriting of loans/credit cards and ensuring good portfolios in assigned area by identifying potential credit and operating risks.
+ Ensure adherences to credit processes and policies.
+ Good knowledge of credit bureau checks and KYC norms.
+ Understanding of inherent credit, collateral, operational & fraud risk.
+ Should have full knowledge of product and policy and constantly update themself with all relevant changes which can impact the customer repayment capacity and performance ability.
+ Adhering to the company's policies and ensuring compliance of the same.
+ Keep close watch on turnaround time and ensure speed with accuracy.
+ Compliance & Risk responsibilities, awareness of post disbursal documentation (PDD) and Audit query resolution.

• Should be able to understand various business profiles of self-employed & non-professional.

Applicants should possess the following attributes:

• Excellent attention to detail.
• Good communication skills & command over English.
• Computer skills viz MS Office.
• Good Interpersonal skills.
• Prior experience in credit risk profiles preferable.
• Prior experience with Unsecured Lending is preferable.


Last application date: 8th Aug 2024

About Company
BOBCARD is a wholly owned subsidiary of Bank of Baroda and a Non-Deposit Accepting Non-Banking Finance Company (NBFC). BOBCARD was established in the year 1994 to cater to the need of rapidly growing credit card industry in a focused manner. BOBCARD is one among the pioneers in Indian card market and was the first non-banking company in India to issue credit cards.


The company's core business is credit card issuance.