Credit Manager

1 week ago

Jaipur, Rajasthan, India Home Credit Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Role Overview

The 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 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.
  • 4-5 years of experience in credit underwriting for LAP, home loans, or mortgages.

  • Branch Credit Manager

    2 weeks ago

    Jaipur, Rajasthan, India Electronica Finance Limited Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Job Description As a Branch Credit Manager at Electronica Finance Limited (EFL) located in Bikaner, your role involves assessing the creditworthiness of clients, managing credit risk, and analyzing financial data to make informed credit decisions. You will be responsible for evaluating loan applications, conducting credit reviews, and developing strategies...

  • Senior Credit Manager

    5 days ago

    Jaipur, Rajasthan, India Digamber Finance Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    Position: Senior/Manager – Credit Operations (MSME)Location: Jaipur, RajasthanReports To: Chief Credit OfficerRole OverviewTheSenior/Manager – Credit Operationsis a critical leadership role responsible for managing theend-to-end credit lifecyclefor Retail and MSME loan products. The role focuses oncredit appraisal,policy adherence,risk...

  • Cluster Credit Manager

    15 hours ago

    Jaipur, Rajasthan, India Piramal Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role & responsibilitiesAnalysis of Credit Risk metrics from DashboardRecommending Policies, Advisories and SOPMonthly review of Credit FunctionBudgeting, Per file cost, Manpower planning, Productivity analysisTracking of Management related projects like Co-lendingSimulation for setting targets to Quarterly variable Pay, QC of incentive dashboardManaging task...

  • Credit Manager-Relationship Banking GROUP-Credit

    1 week ago

    Jaipur, Rajasthan, India Kotak Life Insurance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    About The Role   Credit Manager-RELATIONSHIP BANKING GROUP-Credit JOB DESCRIPTION Role  Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training ...

  • Credit Manager and Operation Manager

    1 week ago

    Jaipur, Rajasthan, India Fundwiser Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    Responsible for credit Appraisal and processing of Loan Applications.Credit Appraisal: Analyze financial statements, credit reports, and other relevant information to assess the creditworthiness of loan applicants (individuals and/or businesses).Loan Processing: Manage the loan application process from initial submission to disbursement, ensuring all...

  • Credit Controller

    2 days ago

    Jaipur, Rajasthan, India Tata Consultancy Servicess Full time ₹ 2,00,000 - ₹ 6,00,000 per year

    Company DescriptionWe suggest you enter details here.Role DescriptionThis is a full-time on-site role for a Credit Controller located in Jaipur. The Credit Controller will be responsible for managing credit and collections, overseeing debtors, and ensuring accurate financial records. Day-to-day tasks include monitoring customer accounts, resolving overdue...

  • Credit Analyst

    6 days ago

    Jaipur, Rajasthan, India Proowrx Knowledge Centre Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Company Profile: Proowrx LLP is a knowledge-based, data processing company focused on providing dataanalysis & business outsourcing services to Australian Mortgage Brokers. We started as service providers toa very large mortgage broking company which is among the top mortgage broking firms in Australia. We arenow working for various similar clients in the...

  • Lead Policy Manager-Credit Cards-Jaipur

    15 hours ago

    Jaipur, Rajasthan, India Hiring Street Full time ₹ 6,00,000 - ₹ 12,00,000 per year

    Vertical : Credit & PolicyLocation : JaipurDepartment : Credit Card

  • Cluster Manager Collection

    1 week ago

    Jaipur, Rajasthan, India Home Credit Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Key Responsibilities:Responsible to manage location / state with team size of 50+ Field executives (Internal & external), with the help of Team Leaders and responsible to manage AMs as well, basis on the decision of management.Responsible to meet designated targets for Monthly and Daily Allocation by actively monitoring and manages bucket wise efficiencies...

  • Head - Credit Wheels & MSME | Exp-15+ Years | CTC- 75+ LPA | Early Joiner Only| Loc- Jaipur |

    1 week ago

    Jaipur, Rajasthan, India Ladders UP HR Solutions LLP - Connecting Right Talent Since 2016 Full time ₹ 31,50,000 - ₹ 75,00,000 per year

    JD-· Credit Strategy:Develop and maintain credit risk strategy and policy by continuous analysis of business expansion and collection trends, risk assessment & mitigation thereof.· Credit Underwriting: Plan Credit Underwriting vision & outlook.Create credit and underwriting policies & processes, infrastructure, development and deployment of underwriting...