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 interview

Comfortable with 5-day working (Alternate Saturdays working)

Department: Credit

Location: Mumbai

Employment Type: Fulltime

Roles & 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 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 Prime home segment

Benefits

• Competitive salary packages and bonuses.

• Mediclaim plans for you and your dependents

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