Credit Manager

2 days ago

Mumbai, Maharashtra, India Nexcen IT Services Pvt Ltd Full time

Position: Area Credit Manager

Department: Credit

Location: Mumbai

Employment Type: Full-time/Hybrid

Position Overview

We are seeking a skilled and detail-oriented Area Credit Manager to join our team. The ideal candidate will have a strong understanding of credit assessment, financial analysis, and risk evaluation, along with the ability to work collaboratively with internal teams and stakeholders.

Roles and Responsibilities

  • Conduct detailed assessment of borrower profiles, including repayment capacity and income stability.
  • Handle loan ticket sizes up to ₹1.5 crore.
  • Perform personal discussions (PD) by visiting customers' business premises, properties, and residences.
  • Evaluate actual business income and expenses beyond reported figures to ensure accurate credit analysis.
  • Assess customer creditworthiness and repayment intent through document analysis, observations, and PD findings.
  • Review and interpret legal, technical, and internal reports related to the property and borrower.
  • Underwrite and sanction home loan or loan against property applications sourced by the sales team.
  • Address post-sanction conditions and ensure smooth disbursement by resolving internal queries.
  • Recommend cases to supervisors for decisions based on deviation or approval matrix.
  • Collaborate and communicate effectively with various internal departments.
  • Maintain turnaround time (TAT) as per organizational guidelines and ensure timely decision-making.
  • Adhere to company policies and processes for all loan applications.
  • Monitor non-starters and first EMI bounce cases to mitigate potential risks.
  • Prepare and maintain MIS reports to track portfolio performance and risk indicators.
  • Continuously enhance underwriting standards based on portfolio performance insights.

Key Skills and Requirements

  • Graduate with a minimum of 5 years of experience in credit assessment or underwriting.
  • Strong understanding of the affordable housing segment.
  • Excellent analytical, decision-making, and interpersonal skills.
  • Ability to manage multiple cases efficiently while maintaining accuracy and compliance.

Benefits

  • Competitive salary and performance-based bonuses.
  • Comprehensive mediclaim coverage for you and your dependents.
  • Access to continuous learning and professional development resources.

Job Type: Full-time

Benefits:

  • Health insurance
  • Work from home

Work Location: In person

Job Type: Full-time

Pay: From ₹40,000.00 per month

Benefits:

  • Health insurance
  • Work from home

Work Location: In person

  • Zonal Credit Manager

    4 days ago

    Mumbai, Maharashtra, India Credit Saison Full time ₹ 10,00,000 - ₹ 30,00,000 per year

    About 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...

  • UPI Credit Partnerships Lead

    2 weeks ago

    Mumbai, Maharashtra, India LIGHT - Credit For UPI Full time ₹ 1,20,000 - ₹ 1,80,000 per year

    About LightWe're building the future of credit on UPI — making every payment smarter, faster, and frictionless. We're a startup where every day is crazier than the last, and that's exactly how we like itThis role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you'll get enormous growth, ridiculous...

  • Credit Manager

    2 weeks ago

    Mumbai, Maharashtra, India Kotak Mahindra Bank Full time ₹ 12,00,000 - ₹ 24,00,000 per year

    Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit We are seeking a detail-oriented and analytical Credit Manager to evaluate and underwrite credit proposals in the Agri-Fin Projects segment. The role involves assessing financials, conducting market visits, and ensuring timely and compliant credit processing. The ideal candidate should have strong financial...

  • Credit Manager

    7 days ago

    Mumbai, Maharashtra, India Aryadhan Full time ₹ 12,00,000 - ₹ 24,00,000 per year

    Company Description is India's leading Agritech company, transforming agricultural value chains through innovative technology and integrated services. With over 5 million tonnes of storage capacity across 5,500 warehouses in 21 states, Arya empowers farmers, aggregators, food processors, and other stakeholders to reduce post-harvest losses. bridges the gap...

  • Credit Manager

    4 days ago

    Mumbai, Maharashtra, India Cholamandalam Investment and Finance Company Limited Full time

    Company DescriptionCholamandalam Investment and Finance Company Limited (Chola), established in 1978 as part of the Murugappa Group, has evolved into a premier comprehensive financial services provider. With over 1,500 branches across India and Assets Under Management (AUM) exceeding Rs. 1.77 lakh crore, Chola serves more than 42.9 lakh satisfied customers....

  • Credit Manager

    2 weeks ago

    Mumbai, Maharashtra, India ICICI Home Finance Company Limited Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Company DescriptionICICI Home Finance Company Limited (ICICI HFC) is one of the fastest growing home finance companies. We aim to provide loans to help you achieve your dream of owning a home, along with other financial services such as Fixed Deposits and Loans Against Property. At each of our 200+ branches, you will find friendly, local experts eager to...

  • Credit Manager

    1 week ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    To underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area...

  • Credit Manager

    1 week ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    DescriptionTo underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage...

  • Credit Manager

    5 days ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 4,00,000 - ₹ 6,00,000 per year

    DescriptionResponsible for credit risk analysis & underwriting for Microfinance & Business Correspondent Loan proposalsReviewing and analysing of operations, financial statements, annual reports, CIBIL, AMLOCK and other relevant information.Periodic review of sector through detailed reports. Preparing quarterly and event-based reports on industry and client...

  • Credit Manager

    1 week ago

    Navi Mumbai, Maharashtra, India Unicorn Petroleum Industries Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Role & responsibilitiesFinancial assessment of high-net-worth strategic customers through careful study of financial documents.Risk Management; Reduced credit risk by developing Mitigation, workout and liquidation plans.Implement risk assessment analysis with scoring models and reviewing complex credit proposal.Consistent assessment of the strength and...