Credit Manager

As a Credit Manager, your role will involve: - Conducting Credit Appraisal and Underwriting ensuring quality appraisal and timely decision-making. - Meeting loan borrowers and applicants for personal interactions based on risk profiles. - Providing basic knowledge of banking to the team members and other departments. - Offering training to internal team members and channel partners. - Screening borrowers' profiles to maintain credit system input quality. - Understanding and implementing processes and policies. - Performing first-level document checks for fraud prevention, data correction, and information completeness. - Managing delinquency ratios and vendor relationships. - Demonstrating knowledge of the Mortgage Industry and related risks. - Contributing to the development of new techniques and process improvements. - Analyzing credit and financial performance to recommend adjustments to credit policies. In terms of Fraud Risk Management, your responsibilities will include: - Conducting risk analysis and staying updated on fraudulent activities in the local market. Additionally, you will be responsible for Relationship Management, Customer Service, and Team Management: - Ensuring excellent service delivery, managing inter-departmental relationships, and focusing on customer-oriented process improvement. - Displaying strong team player qualities, self-motivation, people management skills, and motivation abilities. - Employing effective communication techniques to interact with stakeholders. Qualifications Required: - Minimum 5 years of total work experience with at least 2 years in Underwriting and 1 year in loans. - Ability to relocate to Vijayawada, Andhra Pradesh, if required. Please note that health insurance and Provident Fund are provided as part of the benefits package for this full-time position. If you are interested in this opportunity, please be prepared to discuss your current Cost to Company (CTC) and notice period during the application process. As a Credit Manager, your role will involve: - Conducting Credit Appraisal and Underwriting ensuring quality appraisal and timely decision-making. - Meeting loan borrowers and applicants for personal interactions based on risk profiles. - Providing basic knowledge of banking to the team members and other departments. - Offering training to internal team members and channel partners. - Screening borrowers' profiles to maintain credit system input quality. - Understanding and implementing processes and policies. - Performing first-level document checks for fraud prevention, data correction, and information completeness. - Managing delinquency ratios and vendor relationships. - Demonstrating knowledge of the Mortgage Industry and related risks. - Contributing to the development of new techniques and process improvements. - Analyzing credit and financial performance to recommend adjustments to credit policies. In terms of Fraud Risk Management, your responsibilities will include: - Conducting risk analysis and staying updated on fraudulent activities in the local market. Additionally, you will be responsible for Relationship Management, Customer Service, and Team Management: - Ensuring excellent service delivery, managing inter-departmental relationships, and focusing on customer-oriented process improvement. - Displaying strong team player qualities, self-motivation, people management skills, and motivation abilities. - Employing effective communication techniques to interact with stakeholders. Qualifications Required: - Minimum 5 years of total work experience with at least 2 years in Underwriting and 1 year in loans. - Ability to relocate to Vijayawada, Andhra Pradesh, if required. Please note that health insurance and Provident Fund are provided as part of the benefits package for this full-time position. If you are interested in this opportunity, please be prepared to discuss your current Cost to Company (CTC) and notice period during the application process.