Credit Manager

The role of a Credit Manager at branch offices in a housing finance company involves various essential responsibilities in credit underwriting and customer on boarding:

Role & responsibilities

• Document Collection and Verification: Collect all necessary documents (KYC, income proofs, etc.) per credit policy and verify them accordingly.
• Credit Analysis: Assess creditworthiness by analyzing credit bureau reports, bank statements, and ITRs as per company guidelines.
• Customer Interaction: Conduct personal discussions at the customers residence or workplace to finalize onboarding.
• Income Validation and Eligibility Assessment: Use software to validate income and determine eligibility for salaried, self-employed, and NRI profiles.
• Collaboration with HUB/Zonal Offices: Coordinate on credit-related queries to ensure timely sanctioning.
• Turnaround Time (TAT) Management: Monitor TAT at branch and hub levels for prompt sanctioning.
• Productivity and Target Achievement: Achieve daily productivity and monthly/yearly targets set by the marketing/sales department.
• Customer Service: Handle customer issues professionally to avoid escalations.
• Document Proficiency: Interpret legal, technical, and field investigation reports for informed credit decisions.
• Compliance with Sanction Conditions: Work with the HUB DCO to ensure pre/post sanction conditions are met until final disbursement.
• Title Document Collection and Loan Documentation: Collect original title documents, complete loan documentation, and ensure ENACH compliance.
• A successful candidate should possess strong analytical skills, attention to detail, and a solid grasp of credit policy, compliance, and customer relations in a housing finance context

Preferred candidate profile

Years of Experience Required: Minimum of 2 years in credit underwriting with other peer companies.

Specific Qualification Required: B. Com (Preferable). Proficiency in Ms Office and Advance Excel.

Good communication skills

Location- PAN India