Manager - Retail Credit - Housing - Credit
3 days ago
About The Role
To underwrite mortgage business and manage the portfolio in assigned branch/location
Core Responsibilities:
o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
o Exceed service quality standards and strive for continuous process improvement
o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
o Follow up and ensure recovery of quick mortality cases between MOV.
Qualification Graduate, Masters/Post Graduate
Certifications CA/MBA (Preferable)
-
Zonal Credit Manager
2 weeks ago
Delhi, India Credit Saison Full timeAbout Credit Saison Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...
-
Zonal Credit Manager
4 days ago
Delhi, Delhi, India Credit Saison Full time ₹ 12,00,000 - ₹ 36,00,000 per yearAbout Credit SaisonEstablished in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting...
-
Delhi, Mumbai, NCR, Pune, India Tata Capital Full time ₹ 15,00,000 - ₹ 25,00,000 per yearAbout The Role 10795 To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down...
-
Delhi, Mumbai, NCR, Pune, India Tata Capital Full time ₹ 15,00,000 - ₹ 25,00,000 per yearTo underwrite mortgage business and manage the portfolio in assigned branch/locationCore Responsibilities:o Review and assess a broad range of complexloan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.o Under write proposals as per the laid down policies & procedure to honour the agreed...
-
Area Manager Credit
2 weeks ago
Delhi, Delhi, India Hinduja Housing Finance Full time ₹ 20,00,000 - ₹ 25,00,000 per yearIntersted candidate can share CV to / Role & responsibilities• Managing the regional credit function• Deliver Credit assessment of Home Loans and Loan against Property• Follow TAT, Compliance, policies and procedures as per NHB guidance• Maintain a department organizational structure sufficient to meet all goals and objectivesto include a fail proof...
-
Zonal Credit Manager
2 weeks ago
Delhi, NCR, India Hinduja Housing Finance Full time ₹ 15,00,000 - ₹ 25,00,000 per yearRole & responsibilitiesManaging the credit function for Ap and Telangana Zone.Deliver Credit assessment of Home Loans and Loan against PropertyFollow TAT, Compliance, policies and procedures as per NHB guidance.Maintain a department organizational structure sufficient to meet all goals and objectives to include a fail proof succession planResponsible for the...
-
Credit Manager
2 days ago
Delhi, Mehsana, Mumbai, NCR, India Ratnaafin Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per yearRole & responsibilitiesCoordination with the Relationship (Client Acquisition) Team to gather financial data and documents of clients as well as with Advocate & Valuer.Conducting a thorough financial analysis of the proposal before putting it to higher level authority for approval with given TAT with his/her written findings on credit proposal and basic do...
-
Chief Credit Officer
2 weeks ago
Mumbai, India SME CREDIT CHECK PVT. LTD. Full timeRole Overview: SME Credit Check is seeking an experienced and strategic Chief Credit Officer to lead our credit risk management, policy development, and credit operations. The ideal candidate will have a strong background in assessing credit risk, managing lending portfolios, and ensuring regulatory compliance to support our SME-focused credit services....
-
Chief Credit Officer
2 days ago
Mumbai, Maharashtra, India SME CREDIT CHECK PVT. LTD. Full time ₹ 9,00,000 - ₹ 12,00,000 per yearRole Overview:SME Credit Check is seeking an experienced and strategic Chief Credit Officer to lead our credit risk management, policy development, and credit operations. The ideal candidate will have a strong background in assessing credit risk, managing lending portfolios, and ensuring regulatory compliance to support our SME-focused credit services.Key...
-
National Credit Manager
4 days ago
Delhi, NCR, Noida, India CIEL HR Full time ₹ 10,00,000 - ₹ 15,00,000 per yearWe need to hire an National Credit Manager (NCM) Micro Lap/MSME Lending.shall be Credit counterpart of NSM and shall lead the credit team at national level.Needs to have experience in one or more of these businesses - micro-Lap, mortgage lending, affordable housing lending, business loans lending etc.8 12 years of experience in credit underwriting for these...
