Credit Manager - Home Loans

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: Delhi

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