Homeville - Credit Manager

2 weeks ago

Bangalore, India Nexthire Full time

About Homeville Consulting Pvt Ltd

Homeville Group is building credit platforms to enable flow of capital from

financial institutions to credit asset linked to housing.

Our platforms build on hybrid capital model with open banking principle towards

home buyer credit spectrum.

Our Philosophy interconnects four core businesses that deepens participation in

housing, maximizing stakeholder coverage, integrates technology at core and

accelerates impact towards home ownership across income segments.

Our Vision to be the digital lending market leader in the housing Ecosystem.

Assistant Manager Finance

The Position

This track role is open to Graduates with 3 - 5 years' experience.

Industry: NBFC / Real Estate / Mortgages

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

• Audit compliance on all aspects stipulated by Head Office and regulatory

compliance

• Maintaining and reporting of various MIS to monitor portfolio performance

and risk

• Continuously improvise underwriting capability based on portfolio

performance

Key Skillsets / Requirements:

• Graduate with 3 - 5 years' experience.

Benefits:

• Competitive salary packages and bonuses.

• Mediclaim plans for you and your dependents

• Additional re-imbursement for weekends

• Access to educational resources for self-improvement – technical and non-

technical

• Employee Pension Funds

• Fully stocked kitchen (snacks and drinks)

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