Credit Manager-Loan Against Property-Credit

21 hours ago

Gurgaon, Haryana, India Kotak Mahindra Bank Full time ₹ 15,00,000 - ₹ 25,00,000 per year
Description

We are looking for a qualified and experienced Credit Underwriter to manage credit evaluation for Self-Employed Non-Professional (SENP) and Self-Employed Professional (SEP) mortgage cases. The role involves in-depth financial analysis, customer visits, and credit decision-making to ensure high-quality underwriting and minimal delinquency. The ideal candidate will have a strong understanding of mortgage lending, economic indicators, and regulatory norms. The role also includes mentoring Credit Processing Associates (CPAs), monitoring their productivity, and ensuring adherence to internal policies and audit standards.

· Looking after credit underwriting of SENP / SEP cases – by having deep understanding of applicants financials and business background post visiting customer.

· Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels.

· Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in mortgage industry.

· Maintaining decent productivity levels of processing.

· Being a team player while assisting the team in implementing HO & local policies at ground level.

· Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels.

Job Requirements:

· CA /MBA done from well-known Institute.

· Min 2 – 4 years of experience in mortgage with bank or NBFC.

· Having above exposure in SE/SENP segment 

Same Posting Description for Internal and External Candidates

Responsibilities
Conduct credit underwriting for SENP/SEP mortgage cases with in-depth financial and business analysis. Visit customers to understand business background and validate financials. Monitor delinquency of underwritten cases during the initial stages to maintain near-zero default levels. Maintain credit quality and stay updated on economic indicators and mortgage industry trends. Ensure consistent productivity in processing and decision-making. Support implementation of head office and local credit policies at the ground level. Mentor and monitor CPAs to ensure quality output and productivity. Handle audit and compliance requirements related to underwriting.

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