Credit Manager

5 days ago

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

The Position

We are looking for a skilled Credit Manager to join our team. The candidate must have a passion for credit and be able to work collaboratively with other stakeholders.

Department: Credit

Location: Mumbai

Employment Type: Full time

Roles & Responsibilities


• Assessment of borrowers profiles, repayment capacity and income stability.


• Visiting business premise, property and residence of customer at the time of PD


• Understanding of actual business income & expenses (other than reported income) of customer


• Ability to understand customer business and requirement from their perspective


• Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD


• Study, analysis and interpretation of legal & technical reports of property


• Study, analysis and interpretation of other internal check reports


• Underwriting and sanction of Home loan/loan against property files sourced by sales team


• Revert on post sanction conditions prior to disbursement based on queries raised by the team


• Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix


• Co-ordinate and communicate with different departments


• Maintaining TAT as per guidelines and taking case to decision point


• Adherence to the policy/ process laid out by the Central team on all loan applications being processed


• Close monitoring on non-starters/first EMI bounce trends


• Maintaining and reporting of various MIS to monitor portfolio performance and risk


• Continuously improvise underwriting capability based on portfolio performance

Key Skills / Requirements


• Graduate with 3 - 5 years' experience.


• Strong knowledge of affordable home segment


• Need from the following location or local only. (Mumbai)

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