Credit Manager

Position Title: Credit Underwriting Team (CUT) – EML/SME Loans Location: Corporate Office, Mumbai Department: Credit Underwriting Position Purpose To evaluate, appraise, and underwrite proposals for EML (Equipment/Machinery Loans) and SME loans (including school funding) in line with internal credit policies and risk frameworks, while ensuring portfolio quality and optimal turnaround time. Key Responsibilities Underwriting of EML and SME loans including medical equipment, machinery funding, and school financing. Handle PAN India high-value cases (above ₹2 Cr) for EML, MEF (Medical Equipment Financing), and SFP (School Funding Product). Ensure optimal usage of Loan Origination System (LOS) and Loan Management System (LMS). Maintain credit TAT in line with defined SLAs. Ensure credit underwriting is in compliance with internal policies and risk guidelines. Monitor delinquency and NPA levels to remain within budgeted parameters. Control credit costs as per approved annual budgets. Provide structured feedback to Credit Policy team based on underwriting experience and field insights. Conduct data analysis and publish relevant credit reports. Monitor Post Disbursement Documents (PDDs) and ensure timely collection and tracking. Perform industry analysis to support decision-making and risk assessment. Key Performance Indicators (KPIs) Turnaround Time (TAT) for underwriting Portfolio quality (Delinquency & NPA levels) Quality and depth of credit appraisal Adherence to credit cost budgets Implementation and adherence to processes Experience & Technical Competencies Experience: Minimum 2–3 years in credit underwriting, preferably in SME or EML segment Education: Chartered Accountant (CA) – Mandatory Desired Skills: Strong analytical and financial evaluation skills Good understanding of products, asset types, and sector-specific risk Proficiency in reading and interpreting legal, technical, and valuation reports Effective communication and presentation abilities Positive, pro-business attitude Show more Show less