Area Credit Manager

5 days ago

Mumbai, Maharashtra, India Careerfit Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Note: Kindly apply only if you have the following:

  • Team leading experience
  • Physical PD (Personal Discussion) experience
  • Mandatory exposure in Home Loan, Affordable Housing, LAP, Mortgage
  • Experience in handling ticket size upto or less then 1Cr
  • Based in Mumbai and available for face-to-face interview
  • Comfortable with 5-day working (Alternate Saturdays working)

About the Role

Lead and manage the credit assessment team.

Responsibilities

  • Lead and manage the credit assessment team.
  • Assess borrower profiles, repayment capacity, and income stability.
  • Conduct physical PDs by visiting customer business premises, property, and residences.
  • Analyze reported and unreported business income/expenses.
  • Evaluate customer creditworthiness, repayment intent, and financial background.
  • Review and interpret legal, technical, and internal check reports of properties.
  • Underwrite and sanction Home Loan / LAP files sourced by sales.
  • Review post-sanction conditions before disbursement.
  • Recommend cases to supervisors based on deviation/approval matrix.
  • Collaborate with cross-functional teams for smooth credit processing.
  • Ensure adherence to credit policies and defined TATs.
  • Monitor non-starters / first EMI bounce trends.
  • Maintain and report MIS to track portfolio performance and risk.
  • Continuously enhance underwriting capabilities based on portfolio insights.

Qualifications

  • Graduate with 6+ years of credit experience.
  • Strong domain knowledge of the affordable housing finance segment.
  • Proven ability in team handling and underwriting.
  • Hands-on experience in PD, home loan, mortgage, LAP.
  • Analytical mindset with strong decision-making and communication skills.

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