RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA

• Monitor Turnaround Time (TAT) from Login to Sanction for Asha Loan cases to ensure timely decisioning.
• Validate data entry accuracy and ensure all borrower details, financial inputs and FI findings are correctly captured in systems.
• Assess and underwrite proposals using Asha-specific evaluation techniques including informal income assessment, surrogate programs and field validation reports.
• Take credit decisions in line with policy guidelines, risk frameworks and deviation approval mechanisms.
• Ensure adherence to audit, compliance and policy requirements, avoiding repeat audit observations.
• Coordinate with FI agencies, technical vendors and internal teams to obtain necessary inputs for effective underwriting.
• Provide continuous feedback on process gaps, policy changes and underwriting challenges specific to Asha segment.
• Participate in training initiatives, process improvements and pilot programs for enhancing underwriting efficiency.
• Manage stakeholder interactions with Business, Operations and Vendors for seamless case processing.
• Contribute ideas for process enhancements, automation opportunities and cost efficiencies.

Optimal qualification for success on the job is:

• Graduate / Post- Graduation (MBA/ CA preferred)
• Experience in retail credit with team handling.

For successful execution of the job, the candidate should possess:

• Knowledge of credit, industry and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language