Credit Manager

2 days ago

Udaipur, Rajasthan, India Home Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Role Overview

The Credit Manager will be responsible for underwriting affordable LAP proposals within defined policy parameters while ensuring portfolio quality. The role requires strong analytical skills, knowledge of customer profiles in the affordable segment, and the ability to balance business growth with risk management.

Key Responsibilities

  • Application Assessment
  • Independently evaluate loan applications within policy framework and delegated authority.
  • Analyze customer income, banking, credit bureau, and repayment capacity.
  • Conduct property due diligence including legal, technical, and valuation reports.
  • Policy Adherence
  • Ensure all approvals are strictly in line with credit policies, delegation matrices, and regulatory guidelines.
  • Escalate exceptions with proper risk justification and documentation.
  • Portfolio Quality through Underwriting
  • Maintain high-quality underwriting standards to ensure minimal delinquency in the approved portfolio.
  • Drive alignment with IRR targets by balancing risk, product mix, and pricing at the approval stage.
  • Fraud & Risk Mitigation
  • Identify potential fraud or misrepresentation through detailed document checks and verification.
  • Apply early warning signals (EWS) in decision-making to prevent high-risk sourcing.
  • Stakeholder Management
  • Collaborate with sales teams to provide guidance on policy interpretation and case structuring.
  • Work with risk, legal, and operations teams for smooth and compliant approval flow.
  • Process & TAT Management
  • Ensure underwriting decisions are taken within defined turnaround times.
  • Maintain complete documentation and approval records for audit readiness.

Key Skills & Competencies

  • Strong understanding of mortgage underwriting, credit analysis, and risk assessment.
  • Knowledge of affordable segment income assessment (formal + informal income).
  • Familiarity with property due diligence, legal, and technical aspects.
  • Analytical, detail-oriented, with good decision-making ability.
  • Good communication and coordination skills.

Qualification & Experience

  • Graduate / Postgraduate in Finance/Commerce/Business Administration.
  • 45 years of experience in credit underwriting for LAP, home loans, or mortgages.
  • Exposure to affordable housing / LAP segment preferred.

  • Territory Sales Manager

    2 days ago

    Udaipur, Rajasthan, India Home Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role OverviewThe Sales Manager will be responsible for driving business volumes in the affordable Loan Against Property (LAP) segment through direct sourcing and channel management. The role requires strong market understanding, customer acquisition skills, and relationship management with connectors, DSAs, and channel partners.Key ResponsibilitiesDrive...

  • Senior Credit Risk Specialist

    2 days ago

    Udaipur, Rajasthan, India beBeeCredit Full time ₹ 1,50,00,000 - ₹ 2,50,00,000

    About Us:Mitsubishi UFJ Financial Group is one of the world's leading financial institutions with over 360 years of history and a global network across more than 50 markets.The company has over 160,000 employees offering services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. Mitsubishi...

  • Chief Credit Strategist

    4 days ago

    Udaipur, Rajasthan, India beBeeCreditRisk Full time ₹ 1,80,00,000 - ₹ 3,12,00,000

    About Kwan Ventures:We are a rapidly growing Non-Banking Financial Company (NBFC) specializing in supply chain financing solutions for Small Medium Enterprises (SMEs) and Micro Small Medium Enterprises (MSMEs).Role Overview:We seek an experienced Credit Risk Manager to lead credit risk, underwriting, and portfolio management functions.Key...

  • Chief Credit Officer

    39 minutes ago

    Udaipur, Rajasthan, India beBeeFinance Full time ₹ 2,00,00,000 - ₹ 2,50,00,000

    Leadership Opportunity in Credit ManagementWe are seeking a seasoned professional to lead our credit function and drive business growth.Key Responsibilities:Develop and implement effective credit policies and processesManage a team of professionals and provide guidance on credit underwriting and risk managementCollaborate with internal stakeholders to...

  • Chief Credit Risk Strategist

    4 days ago

    Udaipur, Rajasthan, India beBeeRiskAnalyst Full time ₹ 1,80,00,000 - ₹ 2,50,00,000

    Job OverviewWe are seeking an experienced and analytically driven Lead Risk Modelling Analyst to join our team. This role involves building, validating, and enhancing quantitative models that support credit rating decisions, risk assessments, and financial forecasts.The ideal candidate will bring a solid foundation in credit risk modelling along with...

  • Residential Real Estate Credit Specialist

    5 hours ago

    Udaipur, Rajasthan, India beBeeCreditRiskAnalyst Full time ₹ 1,20,00,000 - ₹ 1,50,00,000

    We are seeking a highly skilled Credit Risk Analyst/Underwriter to lead our team in India and underwrite deals for the US market. As a key member of our credit function, you will work closely with our Credit Committee in New York to ensure seamless functioning of the credit process.Key Responsibilities:Lead a team of analysts in underwriting deals for the US...

  • Pan-India Credit and Market Risk Professional

    4 days ago

    Udaipur, Rajasthan, India beBeeRiskManagement Full time ₹ 30,00,000 - ₹ 45,00,000

    Your potential is waiting to be unleashed.The impact of India on the global economy has been growing exponentially, and this presents an opportunity for you to realize your potential amongst cutting-edge leaders and organizations that are shaping the future.What You Will DoRisk Measurement ModelsDevelop and validate risk measurement models for credit,...

  • Senior Credit Card Fraud Analyst

    4 days ago

    Udaipur, Rajasthan, India beBeeFraud Full time ₹ 1,50,00,000 - ₹ 2,50,00,000

    Key Roles and Responsibilities:Job Summary: Senior Fraud Risk Modeler(Credit Card) We seek a highly experienced Senior Fraud Risk Modeler to join our team. The successful candidate will be responsible for designing, developing and maintaining models to detect and prevent fraud across various financial products and channels - primarily in the credit card...

  • Senior Manager

    4 days ago

    Udaipur, Rajasthan, India DMI Finance Private Limited Full time

    Job Purpose:Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey.Principal Accountabilities:Underwriting Policies:Working on solutions for credit underwriting basis different product constructsClosely work with Data Science team to analyse the underwriting models prepared by them and...

  • Senior Risk Management Executive

    4 days ago

    Udaipur, Rajasthan, India beBeeStrategic Full time ₹ 17,49,437 - ₹ 34,35,479

    Transform your career as a Strategic Risk Manager.About the RoleLead the development and implementation of a comprehensive risk management strategy across credit, operational, and regulatory domains. This position demands a strategic mindset, strong analytical skills, and in-depth knowledge of the NBFC and Banking sector and regulatory landscape in India.Key...