RC - Credit Officer - AL - NPC

Axis Bank

BFSI (Credit & Risk)

Posted: 2 weeks ago

0-1 years

Vijayawada, Andhra Pradesh

BFSI (Credit & Risk)

work from office

Full Time

Closes 25 Nov 2026

Posted: 2 weeks ago

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Job Description

RC - Credit Officer - AL NPC
INTERNAL USAGE:
No. of Vacancies:		Reports to:	Manager
Is a Team leader	N	Team Size:	NA

Grade:	AM/DM
Business:	Underwriting	Department:	Retail Credit	Sub-Department:	Centralized underwriting
Location:	Mumbai/Noida/Hyderabad/Bangalore/Chennai
About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes
AbouttheRole
The Credit Officer - ALmanages core underwriting for Auto loan, Underwriting will be for different channels like DSA dealer, Branch, Digital.
Key Responsibilities
Approval Rates, basis the target will be reviewed for the year for the location - Approval rates for all the locations - for the full year. Turnaround time (TAT) from Login to Sanction- Login to Sanction for all products as confirmed. Early Warning Signal- Location wise FPD for term Loans- Location-wise FPD % for Business Loan as confirmed. Audit & Compliance, Basis Internal & Concurrent audit conducted & Report submitted. - Based on Internal & Concurrent audit conducted & Report submitted Training, Process improvement, Special assignment, support provided to Existing CPC,policy feedback, vendor management, participation in pilot runs/testing etc. Feedback from CO team & Zonal Credit Manager/National Credit Manager - Job enrichment & Training initiative, Support to new locations &products. Feedback from Head Credit - & Other stake holders will be the source. Stakeholder management
Qualifications
Graduate / Post- Graduation (MBA/ CA preferred) Fresher or Experience in retail credit
Role Proficiencies:
For successful execution of the job, the candidate should possess: Knowledge of credit, industry and product trends Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language

Skills

Credit AppraisalRetail CreditUnderwritingCaCredit ManagerCredit Officer

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About Company

Axis Bank, one of India's leading private sector banks, is recognized for its innovative financial solutions and customer-centric approach. With a strong presence spanning across retail, corporate, and institutional banking, Axis Bank offers a comprehensive range of products and services tailored to meet the diverse needs of its customers. Committed to leveraging technology to enhance banking experiences, Axis Bank provides convenient digital banking platforms and cutting-edge financial tools. With a focus on transparency, integrity, and customer satisfaction, Axis Bank continues to be a trusted partner for individuals and businesses alike. Explore exciting career opportunities with Axis Bank, where talent is nurtured, and aspirations are realized in shaping the future of banking in India.

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