
Credit Manager
4 days ago
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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