Credit Manager

3 weeks ago

Vellore, India Godrej Capital Full time
Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.
The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.
Job Purpose - The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans (Business LAP)
Role
Credit assessment and underwriting of loan applications based on product and policy norms – end to end from login to disbursal of loans
Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials
Disbursal of loans including all checks and verifications
Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices
In-person meetings and discussions with clients
Responsible for maintaining the processing TAT
Vendor management, including quality monitoring
Qualification & experience
Years of experience – 1 to 3 years preferred
Mandatory Qualification – MBA in Finance/CA
Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role
Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios
Essential skills
Ability to work in unstructured and evolving situations with an open mind
Adhere to expected TAT without compromising on quality
Work collaboratively with Sales and Operations team in the location to achieve strategic business goals
Ability to understand customer needs and be responsive
Technology skills – understanding of and working with existing market technologies in the mortgage industry
Locations - Tirupati, Vellore, Surat, Baroda, Faridabad,Tiruchipalli

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