Manager - Retail Credit - Credit - Housing - EM - Cuddapah - K R Complex - JM

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your core responsibilities will include reviewing and assessing a broad range of complex loan applications, underwriting proposals as per the laid-down policies, conducting personal discussions with customers to establish creditworthiness, maintaining portfolio MIS and other related reports, building effective relationships with third parties, and ensuring service quality standards are exceeded. Additionally, you will be required to undertake a critical review of credit proposals, ensure collateral and credit risk mitigation, facilitate quick turnaround time for credit lending proposals, monitor credit exposures, document proposals effectively, and manage the credit underwriting function of the branch. You will also need to follow up and ensure recovery of quick mortality cases between 12 - 18 MOV. To qualify for this role, you should be a Graduate or have a Masters/Post Graduate degree. Certifications such as CA/MBA would be preferable. Your ability to make sound decisions based on guidelines, maintain strong relationships, and ensure adherence to legal and documentation norms will be key to success in this position.,