Credit Manager

3 weeks ago

Jaipur, India Home Credit Full time

Role Overview

The Credit Manager will be responsible for underwriting affordable LAP proposals within defined policy parameters while ensuring portfolio quality. The role requires strong analytical skills, knowledge of customer profiles in the affordable segment, and the ability to balance business growth with risk management.

Key Responsibilities

  • Application Assessment
  • Independently evaluate loan applications within policy framework and delegated authority.
  • Analyze customer income, banking, credit bureau, and repayment capacity.
  • Conduct property due diligence including legal, technical, and valuation reports.
  • Policy Adherence
  • Ensure all approvals are strictly in line with credit policies, delegation matrices, and regulatory guidelines.
  • Escalate exceptions with proper risk justification and documentation.
  • Portfolio Quality through Underwriting
  • Maintain high-quality underwriting standards to ensure minimal delinquency in the approved portfolio.
  • Drive alignment with IRR targets by balancing risk, product mix, and pricing at the approval stage.
  • Fraud & Risk Mitigation
  • Identify potential fraud or misrepresentation through detailed document checks and verification.
  • Apply early warning signals (EWS) in decision-making to prevent high-risk sourcing.
  • Stakeholder Management
  • Collaborate with sales teams to provide guidance on policy interpretation and case structuring.
  • Work with risk, legal, and operations teams for smooth and compliant approval flow.
  • Process & TAT Management
  • Ensure underwriting decisions are taken within defined turnaround times.
  • Maintain complete documentation and approval records for audit readiness.

Key Skills & Competencies

  • Strong understanding of mortgage underwriting, credit analysis, and risk assessment.
  • Knowledge of affordable segment income assessment (formal + informal income).
  • Familiarity with property due diligence, legal, and technical aspects.
  • Analytical, detail-oriented, with good decision-making ability.
  • Good communication and coordination skills.

Qualification & Experience

  • Graduate / Postgraduate in Finance/Commerce/Business Administration.
  • 4-5 years of experience in credit underwriting for LAP, home loans, or mortgages.

  • Credit Manager

    2 weeks ago

    Jaipur, Rajasthan, India Home Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role OverviewThe Credit Manager will be responsible for underwriting affordable LAP proposals within defined policy parameters while ensuring portfolio quality. The role requires strong analytical skills, knowledge of customer profiles in the affordable segment, and the ability to balance business growth with risk management.Key ResponsibilitiesApplication...

  • Area Credit Manager

    3 weeks ago

    Jaipur, India Tata Capital Full time

    Company Description Tata Capital Limited, a subsidiary of Tata Sons Limited, is a trusted and customer-centric financial services provider registered with the Reserve Bank of India. The company offers a wide range of financial services to retail, corporate, and institutional customers, including Commercial Finance, Infrastructure Finance, Cleantech Finance,...

  • Area Credit Manager

    2 weeks ago

    Jaipur, Rajasthan, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Company DescriptionTata Capital Limited, a subsidiary of Tata Sons Limited, is a trusted and customer-centric financial services provider registered with the Reserve Bank of India. The company offers a wide range of financial services to retail, corporate, and institutional customers, including Commercial Finance, Infrastructure Finance, Cleantech Finance,...

  • Senior Credit Manager

    7 days ago

    Jaipur, Rajasthan, India Digamber Finance Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    Position: Senior/Manager – Credit Operations (MSME)Location: Jaipur, RajasthanReports To: Chief Credit OfficerRole OverviewTheSenior/Manager – Credit Operationsis a critical leadership role responsible for managing theend-to-end credit lifecyclefor Retail and MSME loan products. The role focuses oncredit appraisal,policy adherence,risk...

  • Cluster Credit Manager

    4 days ago

    Jaipur, Rajasthan, India Piramal Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role & responsibilitiesAnalysis of Credit Risk metrics from DashboardRecommending Policies, Advisories and SOPMonthly review of Credit FunctionBudgeting, Per file cost, Manpower planning, Productivity analysisTracking of Management related projects like Co-lendingSimulation for setting targets to Quarterly variable Pay, QC of incentive dashboardManaging task...

  • Senior Credit Manager

    6 days ago

    Jaipur, India Digamber Finance Full time

    Job Description Position: Senior/Manager Credit Operations (MSME) Location: Jaipur, Rajasthan Reports To: Chief Credit Officer Role Overview The Senior/Manager Credit Operations is a critical leadership role responsible for managing the end-to-end credit lifecycle for Retail and MSME loan products. The role focuses on credit appraisal, policy adherence,...

  • Credit Manager-Relationship Banking GROUP-Credit

    3 weeks ago

    Jaipur, India Kotak Life Insurance Full time

    About The Role   Credit Manager-RELATIONSHIP BANKING GROUP-Credit JOB DESCRIPTION Role  Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper...

  • Credit Manager-Relationship Banking GROUP-Credit

    2 weeks ago

    Jaipur, Rajasthan, India Kotak Life Insurance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    About The Role   Credit Manager-RELATIONSHIP BANKING GROUP-Credit JOB DESCRIPTION Role  Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training ...

  • Credit Manager and Operation Manager

    3 weeks ago

    Jaipur, India Fundwiser Full time

    Responsible for credit Appraisal and processing of Loan Applications.Credit Appraisal: Analyze financial statements, credit reports, and other relevant information to assess the creditworthiness of loan applicants (individuals and/or businesses).Loan Processing: Manage the loan application process from initial submission to disbursement, ensuring all...

  • Credit Manager and Operation Manager

    2 weeks ago

    Jaipur, Rajasthan, India Fundwiser Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    Responsible for credit Appraisal and processing of Loan Applications.Credit Appraisal: Analyze financial statements, credit reports, and other relevant information to assess the creditworthiness of loan applicants (individuals and/or businesses).Loan Processing: Manage the loan application process from initial submission to disbursement, ensuring all...