Credit Manager

Credit ManagerThe Position
We are looking for a skilled Credit Manager to join our team. The candidate must have a passion for creditand be able to work collaboratively with other stakeholders.Department: CreditLocation: BangaloreEmployment Type: Full timeRoles & Responsibilities Assessment of borrowers profiles, repayment capacity and income stability. Visiting business premise, property and residence of customer at the 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 alldocuments, 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/ approvalmatrix 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 performanceKey Skills / Requirements Graduate with 3 - 5 years experience. Strong knowledge of affordable home segmentBenefits Competitive salary packages and bonuses. Mediclaim plans for you and your dependents Access to educational resources for self-improvement - technical and non-technical