Credit Manager

3 days ago

Karimnagar Warangal, India Home Credit Full time ₹ 15,00,000 - ₹ 25,00,000 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.

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