Credit Manager-Mass Market

Credit Manager-Mass Market

Designation

Credit Manager

Grade

Senior Executive

Reporting to

Area Credit Manager

Location

Mumbai & Pune

Function

Risk (Underwriting)

Job Purpose

The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans

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