Location Credit Manager

1 day ago

Hyderabad, Telangana, India Kotak Mahindra Bank Full time ₹ 6,00,000 - ₹ 12,00,000 per year

1. Credit Assessment & Underwriting:

Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level.

Assess borrower profiles, financial statements, and property documents to determine creditworthiness.

Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references.

Ensure that loan proposals align with the company's credit policy and risk appetite.

2. Loan Processing & Decision Making:

Approve loan applications within the designated authority limit and recommend higher-value proposals as required.

Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement.

Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies.

3. Risk & Portfolio Management:

Monitor the portfolio for early warning signals, delinquencies, and fraud detection.

Work closely with the collections team to ensure timely follow-ups on overdue accounts.

Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book.

4. Compliance & Audit:

Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements.

Maintain proper documentation and ensure audit readiness at all times.

Work with internal and external auditors to ensure smooth audit processes.

5. Stakeholder & Team Management:

Provide training and guidance to sales and credit teams on loan policies and credit evaluation.

Collaborate with business teams to ensure a balance between growth and risk management.

Engage with legal and technical vendors for smooth processing of loan approvals.

Key Skills & Competencies:

Strong understanding of LAP & Affordable Housing Loans underwriting.

Knowledge of legal & technical aspects related to property financing.

Experience in credit risk assessment, financial analysis, and portfolio monitoring.

Familiarity with CIBIL, CRIF, and other credit assessment tools.

Attention to detail, decision-making ability, and problem-solving skills.

Excellent communication and stakeholder management skills.

  • Credit Manager

    1 day ago

    Hyderabad, Telangana, India Home Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role OverviewThe 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 ResponsibilitiesApplication...

  • Regional Credit Manager- LAP

    1 day ago

    Hyderabad, Telangana, India Home Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Objective:To evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the LAP segment .Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role.Role & responsibilitiesUnderwrite LAP proposals for self-employed and informal...

  • Location Credit Manager-Commercial Vehicle-Credit

    1 day ago

    Hyderabad, Telangana, India Kotak Life Insurance Full time ₹ 5,00,000 - ₹ 10,00,000 per year

    About The Role   Job Role :- Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana.- Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management.- Maintaining defined TATs for approval and...

  • Location Credit Manager-hf-housing Finance-credit

    2 days ago

    Hyderabad, Telangana, India Kotak Mahindra Bank Full time

    Job Category KMBL Degree Level Bachelor s Degree Strong Domain knowledge in Credit Assessing the Credit Risk basis geography and security offered references and financials as well as facility structure Proactively developing enterprise-wide risk Management strategies and practices for various HL transactions Understanding on various operational ...

  • Location Credit Manager-HF-HOUSING FINANCE-Credit

    1 day ago

    Hyderabad, Telangana, India Kotak Mahindra Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Strong Domain knowledge in Credit.Assessing the Credit Risk basis geography and security offered references and financials as well as facility structure.Proactively developing enterprise-wide risk Management strategies and practices for various HL transactions.Understanding on various operational, legal, technical, market and segment risk practice pertaining...

  • Credit Manager/Sr Credit Manager

    2 days ago

    Hyderabad, Telangana, India IKF Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Job Title: Credit Manager / Senior Credit Manager Credit & Underwriting (EV Vehicles)Location: Hitech City, HyderabadDepartment: CreditRole Overview:We are seeking a highly skilled and detail-oriented Credit Manager / Sr. Credit Manager with strong expertise in credit assessment, underwriting, and risk management, particularly in the EV vehicle financing...

  • Credit Manager

    7 days ago

    Hyderabad, Telangana, India Tata Capital Full time ₹ 5,00,000 - ₹ 10,00,000 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

    Hyderabad, Telangana, India beBeeCredit Full time ₹ 6,00,000 - ₹ 10,00,000

    Job Summary:This role involves overseeing the management of our company's credit control and credit management processes.About the Role:The Credit Controller will be responsible for ensuring timely debt collection, monitoring outstanding balances, conducting credit assessments, and liaising with clients to resolve any issues.Key Responsibilities:Manage all...

  • Location Credit Manager-HF LOAN AGAINST PROPERTY

    3 weeks ago

    Hyderabad, Telangana, India Kotak Mahindra Bank Limited Full time

    Job DescriptionJob Role- Strong Domain Knowledge in Credit.- Assessing the credit risk basis geography and security offered references and financials as well as facility structure.- Proactively developing enterprise-wide risk Management strategies and practices for various LAP products.- Understanding on various operational, legal, technical, market and...

  • Location Credit Manager-lap-hf Loan Against Property

    4 days ago

    Hyderabad, Telangana, India Kotak Mahindra Bank Full time

    Location Credit Manager-Housing Finance-CreditHyderabad Telangana IndiaTrendingDescription for Internal CandidatesJob Role xc2xb7 Looking after credit underwriting of SENP SEP Salaried cases - by having deep understanding of applicants financials and business background post visiting customer xc2xb7 Delinquency monitoring for underwritten cases during...