Regional Credit Manager- LAP

3 weeks ago

Hyderabad, India Home Credit Full time

Objective:

To evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the LAP segment .Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role.

Role & responsibilities

  • Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
  • Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
  • Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity
  • Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health
  • Collaborate with Operations and Sales to improve TAT and underwriting quality.
  • Work closely with Business Head, Sales, and Product teams to align growth with risk controls
  • Ensure field verifications, de-dupe checks, and property/legal due diligence
  • Support credit governance with relevant MIS, dashboards, and portfolio insights.
  • Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards

Preferred candidate profile

  1. Experience: 6-10 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).

  2. Qualification: Graduate / MBA / CA preferred.

  3. Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.

  4. Behavioral Skills: Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs

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