Credit Manager

4 days ago


Ajmer, Rajasthan, India Home Credit Full time ₹ 20,00,000 - ₹ 25,00,000 per year

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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