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Axis Bank

Posted 3 Nov 2026

RC - Credit Officer - PL - NPC

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Workplace
Hybrid
Posted
3 Nov 2026

About the role

RC - Credit Officer - PL - NPCINTERNAL USAGE:No. of Vacancies:Reports to:ManagerIs a Team leader?NTeam Size:NAGrade:AM/DMBusiness:UnderwritingDepartment:�Retail CreditSub-Department:Centralized underwritingLocation: Mumbai/Noida/Hyderabad/Bangalore/ChennaiAbout Retail CreditThe 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 processesAbouttheRoleThe - Credit Officer � PL manages core underwriting for Personal loan, Underwriting will be for various different channels.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

Optimal qualification for success on the job is:

�         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

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