Credit Manager

Note: Kindly apply only if you have the following:

• Physical PD (Personal Discussion) experience

• Mandatory exposure in Home Loan, Prime Housing Segment , LAP, Mortgage

• Experience in handling ticket size more than 50 Lakhs with ROI of 9-14%

• Based in Mumbai and available for face-to-face interview

Comfortable with 5-day working (Alternate Saturdays working)

Department: Credit

Location: Mumbai

Employment Type: Fulltime

Roles & Responsibilities

Assessment of borrowers profiles, repayment capacity and income stability.

Visiting business premise, property and residence of customer atthe time of PD

Understanding of actual business income & expenses (other than reported income) of customer

Ability to understand customer business and requirement from their perspective

Understanding credit worthiness of customer along with intention to repay the loan by analysis

of all documents, observation & findings of PD

Study, analysis and interpretation of legal & technical reports of property

Study, analysis and interpretation of other internal check reports

Underwriting and sanction of Home loan/loan against property files sourced by sales team

Revert on post sanction conditions prior to disbursement based on queries raised by the team

Recommendation of case to supervisors for seeking necessary decision based on deviation/

approval matrix

Co-ordinate and communicate with different departments

Maintaining TAT as per guidelines and taking case to decision point

Adherence to the policy/ process laid out by the Central team on all loan applications being

processed

Close monitoring on non-starters/first EMI bounce trends

Maintaining and reporting of various MIS to monitor portfolio performance and risk

Continuously improvise underwriting capability based on portfolio performance

Key Skills / Requirements

Graduate with 3 - 5 years experience.

Strong knowledge of Prime home segment

Benefits

Competitive salary packages and bonuses.

Mediclaim plans for you and your dependents

Access to educational resources for self-improvement technical and non-technical