Credit Manager – Home Loans

2 days ago

Bhavnagar, Gujarat, India Mspire Ventures Full time ₹ 5,00,000 - ₹ 10,00,000 per year


Job Description:
Job Description: Credit Manager – Home Loans & Loan Against Property
Company: Mspire Ventures 
Position: Credit Manager
Products: Home Loans & Loan Against Property (Secured Loan)
Location: Bhavnagar, Gujarat
Salary: Up to ₹7 LPA
Experience Required: Minimum 5 years in the Credit Department
Education: Graduation is a must

Key Responsibilities:
  • Credit Assessment: Analyze and evaluate the creditworthiness of potential borrowers for Home Loans and Loan Against Property. Conduct detailed analysis of financial statements, credit reports, and other relevant documents.
  • Loan Underwriting: Approve or reject loan applications based on credit guidelines and policies. Ensure that loans comply with company standards and regulatory requirements.
  • Risk Management: Identify potential risks associated with loan applications and recommend appropriate risk mitigation strategies. Monitor loan performance to minimize default rates and ensure portfolio quality.
  • Documentation and Compliance: Ensure all credit and loan documentation is complete, accurate, and complies with legal and regulatory requirements. Maintain up-to-date records of all credit applications and approvals.
  • Coordination: Work closely with sales, operations, and legal teams to facilitate smooth processing of loan applications and approvals. Liaise with external agencies for verification and compliance checks.
  • Customer Interaction: Engage with customers to understand their financial needs, clarify queries related to credit assessments, and provide necessary information about loan products and processes.
  • Reporting: Prepare and present regular reports on credit assessments, approvals, and portfolio performance to senior management. Analyze trends and recommend improvements to credit policies and procedures.
  • Training and Development: Provide guidance and training to junior credit analysts and team members on credit assessment techniques, company policies, and industry best practices.
Key Skills Required:
  • Credit Analysis: Strong analytical skills with the ability to assess the creditworthiness of borrowers effectively.
  • Attention to Detail: High attention to detail to ensure accuracy in credit assessments and compliance with policies.
  • Risk Management: Ability to identify and manage risks associated with loan applications.
  • Decision-Making: Sound judgment and decision-making skills to approve or reject loan applications.
  • Communication: Excellent communication and interpersonal skills to interact with customers, internal teams, and external agencies.
  • Knowledge of Regulations: Good understanding of financial regulations and legal requirements related to secured loans.
  • Team Collaboration: Ability to work collaboratively with sales, operations, and legal teams to achieve business goals.
Qualifications and Experience:
  • Education: Graduation in any discipline is a must.
  • Experience: Minimum of 5 years of experience in the Credit Department, preferably in the NBFC or Banking sector, with a focus on Home Loans and Loan Against Property.
Why Join Us?
  • Growth Opportunities: Be a part of a growing NBFC with opportunities for career advancement.
  • Dynamic Environment: Work in a dynamic and challenging environment that encourages learning and development.
  • Competitive Salary: Attractive compensation package with incentives based on performance.

  • relationship officer

    2 weeks ago

    Bhavnagar, Gujarat, India Randstad MENA Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    Job Description Job Offer Closes: 26 December 2025Summary Location: Bhavnagar, GujaratClient: A client of Randstad IndiaType: Permanent Posted: 27 October 2025 Reference Number: JPC Next StepsContact the recruiter See similar jobs Set a job alert Create an account Search jobs Randstad Professional We bring diverse and pre-qualified...

  • Business Manager

    2 weeks ago

    Bhavnagar, Gujarat, India Bajaj Finance Full time ₹ 4,00,000 - ₹ 12,00,000 per year

    Job PurposeCreating a strong & compliant sales culture across the channel to drive acquisitions, profitability and employee development.- Culture Anchor:Work Hard - Consistently puts in effort.- plans and tracks daily progress to achieve targetsExecute with Rigor - Takes responsibility for meeting targets with focus and effortOwn It - Maintains honesty and...

  • Relationship Manager- Working Capital- Bhavnagar

    2 weeks ago

    Bhavnagar, Gujarat, India Yes Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role & responsibilitiesThe role holder is responsible for acquisition of NewtoBank Business Banking MSME relationships through the CRM and Knowledge Banking approach. The role holder is also responsible for building Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients.Acquisition of NewtoBank Business Banking MSME relationships...

  • Sales Team Lead

    2 weeks ago

    Bhavnagar, Gujarat, India Paytm Full time ₹ 5,00,000 - ₹ 12,00,000 per year

    Sales - Team Lead _ Bhavnagar About Us: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm's mission is to serve half a billion Indians and bring them to the mainstream economy with...

  • [06/11/2025] Credit Manager-affordable Housing Finance-credit

    5 days ago

    Bhavnagar, India Kotak Mahindra Bank Full time

    Job Category KMBL Degree Level Bachelor s Degree Credit Assessment Risk Management Loan Approval Process Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors Perform detailed analysis of financial statements bank statements and credit reports Assess repayment capacity and recommend appropriate loan...

  • Legal Manager-credit Card-hardship Assistance Unit

    3 weeks ago

    Bhavnagar, India Kotak Mahindra Bank Full time

    Job Category KMBL Degree Level Bachelor s Degree Risk Manager Department Kotak Mahindra Bank Ltd - Consumer Durables Location Mumbai - HO Number of Positions One Reporting Relationship Reporting to Business Head - Consumer Durables Business Position Grade M7-M8 Risk management Portfolio monitoring for Consumer durable loans Managing Risk containment unit for...

  • We Are Hiring Branch Sales Manager

    7 days ago

    Bhavnagar, India Mspire Ventures Full time

    We Are Hiring Branch Sales Manager vehical Finance In Ahmedabad Job Title Branch Sales Manager - Vehicle Finance Location Ahmedabad Department Retail Vehicle Finance Reporting To Area Sales Manager Zonal Sales Head Key Responsibilities Drive vehicle finance business for the assigned branch ensuring monthly and quarterly sales targets are met Manage and...

  • Business head

    1 week ago

    Bhavnagar, India White Force Group Full time

    URGENT HIRING for DSA Acquisition Manager Email ID: Contact : Position: DSA Business HeadLocation: Multiple – Andhra Pradesh, Rest of Karnataka, Madhya Pradesh, Chhattisgarh, Odisha, Haryana, Jharkhand, Bihar, West Bengal, Assam, Gujarat, PunjabReporting to: CEOExperience- Minimum 10 years of experience in sales and credit roles in banks, NBFCs, or loan...

  • Virtual Relationship Manager

    2 days ago

    Bhavnagar, India Whatjobs IN C2 Full time

    Key Responsibilities: Strengthen and grow relationships with existing First Wealth customers. Acquire new Non-Resident (NR) accounts and generate qualified referrals. Drive remittance business across managed and sourced portfolios. Conduct virtual client meetings and deliver superior customer service. Promote usage of mobile banking, Optimus App, and digital...

  • ▷ [15h Left] Product Manager - Smart Homes

    2 weeks ago

    Bhavnagar, India Mantra Softech Full time

    Shape the Future of Connected Living At Mantra Softech, we’re transforming everyday life through secure, intelligent, and beautifully designed smart home products. As the Product Manager for our Smart Home IoT vertical, you will lead the strategy, design, and delivery of devices like smart locks, video doorbells, occupancy sensors, and automation...

  • Relationship Manager-construction Equipment

    2 weeks ago

    Bhavnagar, GJ, IN Kotak Mahindra Bank Full time

    Sourcing new to bank NTB clients Relationship management for Mid and large corporates Infrastructure companies Experience in handling clients with more than 25 cr Turnover and avg ticket size of lending of Rs 10crs Candidate should have dealt with following products Cash credit Over draft Limits Project funding for EPC projects Term Loan Foreign currency...

  • ▷ [15h Left] relationship officer

    2 weeks ago

    bhavnagar, India Randstad Full time

    Financial ResponsibilitiesGenerate Home Loan Leads from open market and through different channelsDevelop and Maintain relationship with clients/ builders/ Contractor for repeat business and referralsImplement and Develop Sales activities to achieve targetArrange Loan Events- Organize events/ activities for lead generationHandle Product queries and Service...

  • Assistant Manager Learning

    1 week ago

    Bhavnagar, India Housing.com Full time

    Who we are...?REA India is a part of REA Group Ltd. of Australia (ASX: REA) ("REA Group"). It is the country's leading full stack real estate technology platform that owns Housing.com and PropTiger.com.In December 2020, REA Group acquired a controlling stake in REA India. REA Group, headquartered in Melbourne, Australia, is a multinational digital...

  • (High Salary) Assistant Manager Learning

    2 weeks ago

    Bhavnagar, India Housing.com Full time

    Who we are…? REA India is a part of REA Group Ltd. of Australia (ASX: REA) (“REA Group”). It is the country’s leading full stack real estate technology platform that owns Housing.com and PropTiger.com. In December 2020, REA Group acquired a controlling stake in REA India. REA Group, headquartered in Melbourne, Australia, is a multinational digital...