Website:
suryoday.bank.in
Job details:
Company Description Suryoday Small Finance Bank Ltd. is a new-age, customer-centric bank that has grown from a microfinance institution into a full-service small finance bank, serving over a million customers since 2009. Known as the “Bank of Smiles,” it focuses on making banking simple, rewarding, and accessible. The bank offers high-value saving solutions such as Savings Accounts and Fixed Deposits, designed to help customers optimize returns and meet evolving financial needs. Suryoday provides inclusive credit products like MFI Loans, Vikas Loans, and Shopkeeper Loans for both new and existing customers. Leveraging digital banking, Aadhaar-enabled services, NPCI platforms, and mobile-first solutions, the bank aims to serve unserved and underserved segments through innovative and responsible practices.
Role Description This is a full-time, on-site role for a Credit Proposal professional based in Navi Mumbai. The role involves assessing and analyzing credit proposals for various loan products, ensuring alignment with internal credit policies and regulatory guidelines. Responsibilities include evaluating financial statements and customer profiles, preparing detailed credit appraisal notes, and recommending appropriate credit limits and terms. The role also requires close coordination with branch teams, risk management, and operations to ensure timely processing of proposals and high-quality customer service. The Credit Proposal professional will monitor portfolio performance, identify early warning signals, and contribute to continuous improvement of credit processes and risk controls.
Qualifications
- Candidates should possess strong Credit Management and Finance skills, including experience in credit appraisal and understanding of lending products.
- Candidates should possess robust Analytical Skills to interpret financial data, assess risk, and make sound credit recommendations.
- Candidates should possess proficiency in using MS Excel and other financial analysis tools, along with familiarity with banking systems and digital platforms.
- Relevant academic qualifications such as a bachelor’s degree in Finance, Commerce, Economics, or a related field; professional certifications in credit or banking are an advantage.
- Prior experience in retail or MSME lending, small finance banking, or microfinance, with knowledge of regulatory and compliance requirements, is preferred.
- Ability to work accurately under time constraints, maintain high ethical standards, and contribute to a collaborative team environment.
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