Credit Manager

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 timeRoles & 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 performanceKey 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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