Location Portfolio Analyst

Job Title: Location Credit Manager

About the Role:

• Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level.
• Assess borrower profiles, financial statements, and property documents to determine creditworthiness.
• Perform due diligence, including customer meetings, tele verification checks, CIBIL credit bureau checks, banking analysis, and market references.
• Ensure that loan proposals align with the company's credit policy and risk appetite.
• Approve loan applications within designated authority limits and recommend higher-value proposals as required.
• Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement.
• Monitor the portfolio for early warning signals, delinquencies, and fraud detection.
• Work closely with the collections team to ensure timely follow-ups on overdue accounts.
• Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book.

Key Skills & Qualifications:

• Strong understanding of LAP and Affordable Housing Loans underwriting.
• Knowledge of legal and technical aspects related to property financing.
• Experience in credit risk assessment, financial analysis, and portfolio monitoring.
• Familiarity with CIBIL, CRIF, and other credit assessment tools.
• Attention to detail, decision-making ability, and problem-solving skills.
• Excellent communication and stakeholder management skills.

About You:

• You have a passion for credit risk assessment and portfolio monitoring.
• You have experience in evaluating loan applications and assessing borrower profiles.
• You have strong analytical and problem-solving skills.
• You have excellent communication and stakeholder management skills.