Area Credit Manager - LAP

As a Credit Assessment Specialist, you will be responsible for conducting a thorough and comprehensive credit assessment process to determine the most suitable loan products for customers seeking loans against property. Your main objective will be to ensure that the credit assessment is completed within the defined turn-around-time (TAT) while focusing on delivering exceptional service and transaction experience to customers. In this role, you will need to consider key market nuances during the credit underwriting process and strive to capture all relevant opportunities. It will be important to maintain a high-quality portfolio by managing the complete life-cycle of the loan process, from credit application to disbursement. You will also be required to stay informed about market factors, indices, policies, and regulations that may impact the credit portfolio and decision-making. Additionally, you will be responsible for ensuring proper management of post-disbursement documents and covenants. Collaboration with internal teams such as legal, technical valuation, field investigation, and risk containment teams will be essential to streamline the credit assessment process. The ideal candidate for this role should preferably have a Post Graduate degree with 5-8 years of relevant work experience. Prior experience in channel management for Loan Against Property (LAP), Home Loans (HL), and Secured Loans will be advantageous. If you are a detail-oriented professional with a strong background in credit assessment and a focus on customer service, we encourage you to apply for this challenging and rewarding opportunity.,