Credit Manager-Mass Market

Credit Manager-Mass Market

Designation

Credit Manager

Grade

Senior Executive

Reporting to

Area Credit Manager

Location

Mumbai & Pune

Function

Risk (Underwriting)

Job Purpose

The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans

Role

Credit assessment and underwriting of mortgage loan applications based on product and policy norms end to end from login to disbursal of loans

Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials

Disbursal of Mortgage Loans including all checks and verifications

Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices

In-person meetings and discussions with clients

Responsible for maintaining the processing TAT

Participate in and clear regular internal and external audits

Vendor management, including quality monitoring Qualification & experience

Qualification & experience

• Years of experience 3 to 5 years preferred
• Mandatory Qualification MBA in Finance/CA
• Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role
• Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios

Essential skills

• Ability to work in unstructured and evolving situations with an open mind
• Adhere to expected TAT without compromising on quality
• Work collaboratively with Sales and Operations team in the location to achieve strategic business goals
• Ability to understand customer needs and be responsive
• Technology skills understanding of and working with existing market technologies in the mortgage industry