Job Title

Mahashakti Financiers Limited(Sabka Loan) is conducting freshers walk-Ins interview in Dwarka for the post of credit officer.Job Overview:The Credit Officer is responsible for evaluating online loan applications, assessing risk, ensuring compliance with regulatory guidelines, and managing collections to minimize bad debts. The role requires strong communication & analytical skills, decision-making abilities, and a customer-focused approach to ensure timely recoveries.Key Responsibilities: Loan Processing & Credit Assessment:Evaluate online loan applications, verify income/employment, and assess creditworthiness using financial statements and CIBIL reports.Ensure compliance with company credit policies, RBI/NBFC guidelines, and regulatory norms.Approve or reject loan applications based on risk assessment.Documentation pre–Loan Disbursement:Verify KYC, salary slips, bank statements, and other loan agreements before disbursement.Assess borrowers' nature and intentions for loan repayment based on online chats/telephonic conversations.Educate borrowers on loan terms, repayment schedules, and penalties.Coordinate with finance teams for timely loan disbursements.Identify fraud, risks and report suspicious applications.Collections & Recovery:Monitor active loans and track overdue accounts.Contact borrowers via calls, emails, and messages to ensure timely payments.Negotiate repayment plans and settlements to optimize recovery.Escalate non-recoverable loans to recovery teams if necessary.Customer Relationship Management:Maintain strong customer relationships to improve repayment rates.Address borrower queries and educate them on responsible borrowing.Qualifications & Skills:Education: Bachelor’s degree in Finance, Commerce, Accounting, or a related field.Experience: Preference for experience in credit assessment & collections (NBFC/ loans).Technical Skills: Working knowledge in MS Excel, Credit bureau (CIBIL) reports and Bank transactions analysis.Soft Skills: Good analytical, negotiation, and communication skills.Key Competencies: Quick decision-making, problem-solving, and adaptability in dynamic financial environments.Who can apply: Experienced or fresher Male / Female (preferred) candidates can apply for this vacancy.Work Conditions:Fixed working hours: (10 AM to 6 PM, 06 days a week).No. of Openings: 30Industry Type: NBFC(Micro Finance)/LendingDepartment: Risk Management & ComplianceEducation: Any GraduateLanguage: English/HindiJob Types: Full-time, PermanentSalary: ₹18,000.00 - ₹22,000.00 per monthBenefits: Paid sick timeProvident FundSchedule: Day shiftInterview Location: Pocket-8, Block-C, First Floor, Plot No:-17, beside HDFC Bank branch, Sector 17 Dwarka, New Delhi, Delhi 110075or you can search "Sabka Loan" in Google map | nearby Dwarka sector 13 metro station