Lending Officer

About the Role

The Lending Officer role at Paytm is a full-time, on-site position based in Mohali/Kharar/Dera Bassi. The role involves assessing loan applications, performing credit evaluations, and supporting underwriting decisions in line with company policies and regulatory requirements.

Key Responsibilities

• Manage loan origination processes.
• Verify documentation.
• Ensure timely disbursal while maintaining accuracy and compliance.
• Regular customer interactions to explain loan products, address queries, and provide a positive borrowing experience.
• Collaboration with internal teams to optimize lending workflows and meet portfolio performance targets.

Requirements & Tech Stack

• Consumer or small business lending workflows.
• Finance and credit analysis.
• Underwriting processes.
• Risk assessment.
• Lending policies and regulatory guidelines.
• Loan origination activities.
• Digital tools, lending platforms, and data-driven decision-making.
• Fintech or digital banking experience is an advantage.

Qualifications

• Minimum 12th Standard passout.
• Demonstrated experience in loan officer or lending roles.
• Ability to interpret financial statements and evaluate risk.
• Excellent customer service skills.
• Strong attention to detail, analytical thinking, and organizational skills.
• Bachelor’s degree in finance, business, economics, or a related field is preferred.
• Relevant certifications in lending or credit are beneficial.