Cluster Credit Manager (CCM)

Varashakti Housing Finance

6 - 9 years

2 - 6 Lacs

Andhra Pradesh

Posted:3 days ago| Platform:

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Skills Required

Strong understanding of credit underwriting in affordable housing/NBFC segment. Knowledge of AP state-specific property laws team handling market dynamics and training capabilities.

Work Mode

Work from Office

Job Type

Full Time

Job Description

Job Title

Location

Job Role & Responsibilities

Handle credit appraisal and underwriting of Home Loans and LAP (Loan Against Property) proposals within the assigned cluster.
Ensure credit quality, compliance, and policy adherence while assessing customer applications.
Conduct personal discussions and field visits for profile verification and risk assessment.
Collaborate with Business Teams (Sales, Branch, Operations) for end-to-end file processing.
Decision making within delegated credit authority and recommending cases beyond limits.
Monitor portfolio health of branches under the cluster and take preventive/corrective actions.
Coordinate with Credit Manager/Regional Credit Head on escalated or high-ticket cases.
Train and guide Branch Credit Officers in loan file evaluation and documentation.
Maintain TAT (Turn-Around-Time) and support smooth disbursement process.
Ensure proper documentation, file audit readiness, and vendor coordination (for legal, technical).

Key Skills Required

Strong understanding of credit underwriting in affordable housing/NBFC segment.
Knowledge of AP state-specific property laws, market dynamics, and borrower profiles.
Analytical mindset with ability to assess risk and make sound credit decisions.
Proficiency in loan management systems, MS Office.
Good communication, team handling, and training capabilities.

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