Associate Manager– Credit Management

3 weeks ago

Bengaluru, Karnataka, India HCLTech Full time

We are seeking experienced Credit Managers with a strong background in Australian mortgage underwriting. The ideal candidate will be responsible for assessing home loan applications in line with Australian credit policies, ensuring high-quality credit decisions, and working collaboratively with stakeholders across geographies.

Key Responsibilities:

  • End-to-end assessment and decision-making of home loan/mortgage applications based on Australian credit policy and guidelines.
  • Perform income verification, credit checks, property valuation reviews, and responsible lending assessments.
  • Liaise with brokers, lenders, and internal teams for clarifications or documentation gaps.
  • Provide timely and high-quality credit decisions while meeting SLA and compliance standards.
  • Ensure adherence to NCCP (National Consumer Credit Protection Act), AML, and other regulatory requirements.
  • Mentor and guide junior underwriters, and support process improvements.
  • Prepare daily/weekly reports on pipeline, SLAs, and quality metrics.

Requirements:

  • Graduate/Postgraduate in Finance, Commerce, or a related field.
  • Minimum 5 years of mortgage underwriting experience, with at least 2–3 years in the Australian home loan domain.
  • Strong understanding of Australian credit policies, responsible lending guidelines, and loan origination systems.
  • Exposure to multiple lenders (Bankwest, CBA, ANZ, etc.) is a plus.
  • Excellent analytical, communication, and documentation skills.
  • Ability to work in fast-paced environments and meet deadlines.

Preferred Skills:

  • Certification in mortgage lending or credit assessment.
  • Experience with income types including PAYG, self-employed, rental, foreign income.
  • Sound knowledge of credit bureaus like Equifax (AU).
  • Familiarity with verification tools and fraud checks used in the Australian mortgage ecosystem.

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