Credit Manager

As a Credit Underwriter at our company, your role involves exercising credit delegation authority with due diligence within the policy framework. You will be responsible for interpreting credit bureau reports, conducting dedupe checks, assessing financial statements, analyzing financial ratios, and evaluating the financial eligibility of applicants. It is crucial to ensure that all loan applications are processed within the defined turn-around time [TAT] to increase underwriting efficiency. Key Responsibilities: - Adhere to the defined policy and processes for timely decision-making on all applications. - Analyze bank statements, ascertain existing liabilities of applicants, and determine financial eligibility. - Increase underwriting efficiency by reducing reworks and improving First Time Right (FTR) in all activities. - Follow up with sales counterparts to meet credit TAT and End-to-End TAT as defined by senior management. - Monitor data entry quality, provide periodic feedback to data entry vendors, and conduct customer verification/visits. - Keep track of market factors impacting the credit portfolio and decision-making. - Focus on creating a high-quality portfolio and ensure proper covenant management. In terms of People Management or Self-Management Responsibilities, you will interact closely with functions such as Sales, Operations, CSS, and Collections to ensure smooth delivery of objectives. Additionally, you will manage risk vendors, provide regular training, and share feedback to improve quality. Risk and Internal Control Responsibilities include ensuring audit and regulatory compliance, maintaining credit quality, and exercising credit authority delegation without transgressing powers. Qualifications Required: - MBA or CA with a minimum of 3 years of underwriting experience. - Experience in credit underwriting of Housing/mortgage loans is preferred. You will play a critical role in maintaining credit quality and efficiency in underwriting processes while adhering to policies and regulations set by the central team.,