Credit Manager

Note: Kindly apply only if you have the following:- Physical PD (Personal Discussion) experience - Mandatory exposure in Home Loan, Prime Housing Segment , LAP, Mortgage - Experience in handling ticket size more than 50 Lakhs with ROI of 9-14% - Based in Mumbai and available for face-to-face interviewComfortable with 5-day working (Alternate Saturdays working)Department: CreditLocation: MumbaiEmployment Type: FulltimeRoles & Responsibilities• Assessment of borrowers profiles, repayment capacity and income stability.• Visiting business premise, property and residence of customer atthe 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 analysisof 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 beingprocessed• 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 Prime home segmentBenefits• Competitive salary packages and bonuses.• Mediclaim plans for you and your dependents• Access to educational resources for self-improvement – technical and non-technical

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