Credit Operations Manager- Home Loan

Job Description: Credit Operations – Home Loans / Loan Against Property Location: [Mumbai/Bangalore/Hyderabad] Experience: Minimum 2 Years Industry: Banking / Financial Services / Real Estate / Mortgage Employment Type: Full-time About the Role: We are looking for a dynamic and experienced Credit Analyst to join our Home Loan and LAP division. The ideal candidate will be responsible for conducting thorough credit analysis, assisting clients through the loan process, and ensuring timely disbursements. You will work closely with banks, clients, and internal teams to drive sales closures and deliver excellent customer service. Key Responsibilities: ⦁ End to End processing of Home loans ⦁ Interaction with Clients,, vendors, Banks  ⦁ Ensure the disbursement of home loan of the customer  ⦁ Conduct credit analysis of customers for Home Loan and LAP products. ⦁ Recommend and select the most suitable bank for each customer based on their profile. ⦁ Assist customers throughout the loan process, from application to disbursement. ⦁ Ensure sales closures by coordinating between clients, sales teams, and financial institutions. ⦁ Understand and evaluate client requirements to provide tailored mortgage solutions. ⦁ Generate and manage APF codes for approved housing projects. ⦁ Build and maintain relationships with HNI clients, providing them with high-touch support and solutions. ⦁ Coordinate with connectors, DSAs, and bankers for smooth processing and credit approvals. ⦁ Guide and support the team to achieve collective sales and service goals. Preferred Candidate Profile: ⦁ Minimum 2 years of experience in credit analysis, specifically in Home Loans and LAP. ⦁ Strong knowledge of banking products, credit policies, and lending guidelines. ⦁ Ability to understand client profiles and recommend appropriate loan structures. ⦁ Excellent communication and interpersonal skills. ⦁ Experience in handling HNI customers and understanding their financial needs. ⦁ Capable of managing multiple stakeholders, including clients, sales partners, and bankers. ⦁ Team-oriented mindset with leadership ability to guide junior team members. Why Join Us? ⦁ Opportunity to work with a leading team in the Home Loan and LAP sector. ⦁ Exposure to working with top banks and financial institutions. ⦁ Career growth opportunities in a dynamic and fast-growing environment. About Us & Quick Links: MyMoneyKarma is a FinTech company envisioned as the One-Stop-Shop for Consumer Finance in Indiaand Globally. We are also an online financial education platform, which has steadfastly embarked on a mission to spread financial literacy in India. We are a group of Stanford alumni with a strong background in banking and technology, passionate about creating a positive impact in the lives of people by helping them manage their finances better. We believe that no two people have the same financial situation, so they should not be given one-size-fits-all financial recommendations. However, many individuals do not have access to professionals who can give them personalized advice to help them manage their finances. We are changing that by providing FREE and EASY access to personalized financial management using proprietary algorithms developed by our deep understanding of the financial space and technology. MyMoneyKarma is democratizing secure future. MyMoneyKarma's mission is taking private wealth management to the masses by offering consumers in India unbiased, personalized and algorithm-powered recommendations for choosing financial products that fit their needs. MMK already has millions of users and is currently focused on building out the partnerships and integrations with banks for consumer banking products.