Credit Manager

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.

The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.

Role

• Credit assessment and underwriting of mortgage loan applications based on product and policy norms – end to end from login to disbursal of loans

• Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials

• Disbursal of Mortgage Loans including all checks and verifications

• Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices

• In-person meetings and discussions with clients

• Responsible for maintaining the processing TAT

• Participate in and clear regular internal and external audits

• Vendor management, including quality monitoring Qualification & experience

Qualification & experience

• Years of experience – 3 to 5 years preferred
• Mandatory Qualification – MBA in Finance/CA
• Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role
• Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios

Essential skills

• Ability to work in unstructured and evolving situations with an open mind
• Adhere to expected TAT without compromising on quality
• Work collaboratively with Sales and Operations team in the location to achieve strategic business goals
• Ability to understand customer needs and be responsive
• Technology skills – understanding of and working with existing market technologies in the mortgage industry