Employer Login | Partner Login | Candidate Login
WhatsApp Logo Chat us Call Logo Call us

RB-LS: Business Development Associate

Axis Bank — Chakapara, BONGAIGAON

Experience 1 - 3 Years yrs
Age 21-35 yrs
Gender Both
Salary Not Disclosed LPA
Department Sales Loans
Product Loans

Job Description

Role description

About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. Would be responsible for ensuring the maintenance of portfolio quality and for ensuring smooth credit appraisal processes in the Region.
About the Role
Regional Credit Manager will be a team leader role wherein all Area Credit Managers would be reporting. Core job will be to ensure smoot functioning of credit Appraisal activities undertaken by Credit Manager & ACMs. Responsible for building a quality portfolio. Ensure underwriting adherence to the processes designed by the bank
Key Responsibilities
  • Ensure smooth functioning of the region by meeting defined productivity norms and maintaining Turn Around Time (TAT) for Asha loan cases, with continuous monitoring of Work-In-Progress (WIP) volumes.
  • Ensure quality of credit appraisal for Asha segment, with focused assessment of informal income profiles and surrogate evaluation methods to minimize delinquency and build a robust portfolio.
  • Drive adherence to underwriting policies, deviation frameworks and regulatory guidelines specific to Asha Loans.
  • Ensure timely closure of audit queries, policy adherence and compliance requirements.
  • Track portfolio health through early delinquency indicators (FPD, bounce trends) and take corrective actions at region level.
  • Gather local market intelligence, including borrower behaviour, competition practices and emerging risk trends in the Asha segment.
  • Collaborate with Business, Sales and Ops teams to balance growth with portfolio quality.
  • Drive process improvements to enhance decision efficiency, TAT and customer experience for Asha Loans.
  • Support roll-out of new locations, sourcing channels and product variants within Asha Loans.
  • Manage vendors (FI agencies, technical agencies etc.) and ensure quality outputs.
  • Lead, train and develop the credit team, ensuring capability building and managing attrition.
Qualifications

Optimal qualification for success on the job is:

  • Graduate / Post- Graduation (MBA/ CA preferred) from good institute
  • Experience in retail credit with team handling.
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
  • Team handling experience
  • Ability to handle Pressure and meet deadlines.

Skills

Refer to the Job Description

Apply Now

Frequently Asked Questions

What are the eligibility criteria for the RB-LS: Business Development Associate job at Axis Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 1 - 3 Years years of relevant experience expected for this role.

What are the primary responsibilities of a RB-LS: Business Development Associate at Axis Bank?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a RB-LS: Business Development Associate at Axis Bank.

Is prior experience required for this position?

This role requires around 1 - 3 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the RB-LS: Business Development Associate role at Axis Bank?

You can apply directly using the Apply Now button on this page, which will take you to Axis Bank's application process for this role.