Job Title: Cluster Credit Manager Loan Against Property Department: Credit Risk Location: Coimbatore Reports To: Zonal Credit Manager / Regional Credit Head Job Summary The Cluster Credit Manager Loan Against Property (LAP) is responsible for overseeing credit underwriting and risk management for multiple branches within the assigned cluster. This role ensures sound credit decision-making in line with company policies while supporting business growth and maintaining asset quality. The incumbent will handle high-value LAP proposals, manage credit operations, and mentor branch-level credit teams. Key Responsibilities Credit Underwriting Decision-Making: Evaluate and approve/recommend LAP loan proposals within the approved credit limits. Perform financial, business, and risk analysis of applicants including income assessment (formal informal), property evaluation, and repayment capacity. Ensure end-to-end credit processing within defined TAT and adherence to credit policies. Portfolio Quality Risk Management Monitor and manage the credit portfolio quality of assigned branches. Identify early warning signals and suggest corrective actions to prevent NPAs. Conduct periodic portfolio health reviews and risk assessments. Policy Implementation Compliance Ensure strict adherence to credit policies, underwriting guidelines, and regulatory norms. Suggest policy revisions based on ground-level insights and market dynamics. Team Management Development Guide and mentor branch credit managers and officers within the cluster. Conduct training sessions for sales and credit teams on policy, documentation, and fraud detection. Support in recruitment and performance evaluation of credit staff. Stakeholder Coordination Liaise with sales, legal, technical, and operations teams to ensure smooth loan processing. Work closely with collections team to support recovery efforts in stressed accounts. Reporting MIS Prepare and submit timely reports on approvals, rejections, deviations, and portfolio performance. Support audit and compliance teams with documentation and clarifications. Required Skills And Qualifications Graduate/Postgraduate in Finance, Commerce, CA, or MBA preferred. 58 years of experience in credit underwriting of Loan Against Property or similar secured lending products. Strong knowledge of LAP underwriting including income assessment (self-employed, SME), property documentation, and legal/technical evaluation. Ability to assess credit risk and make sound judgments. Excellent communication, interpersonal, and leadership skills. Familiarity with credit bureau reports, financial ratios, and market trends. Preferred Experience Prior experience in NBFCs, banks, or housing finance companies. Exposure to semi-urban and rural LAP markets is a plus. Experience managing a team across multiple branches. This job is provided by Shine.com Show more Show less