Manager - Retail Credit - Credit - Housing - EM - Medak U - Waheda's Medak Business Centre - JM

You will be responsible for underwriting mortgage business and managing the portfolio in your assigned branch/location. This includes reviewing and assessing a variety of complex loan applications within defined guidelines, making decisions or recommending for approval to higher authorities. You will underwrite proposals according to policies and procedures to meet agreed service level agreements and manage business volumes in the city/area. Additionally, you will conduct personal discussions with customers to evaluate credit worthiness, ensure completion of credit/KYC documents, and perform verifications through telephonic, field, and collateral visits. It is essential to assess income to obligation ratios, loan to value ratios, and have a deep understanding of the rationale behind these calculations and their impact on loan performance over long tenures. Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS for the cluster and providing regular reports is also a crucial part of the role. You will be expected to build and leverage effective relationships with third parties to achieve the best outcomes for clients, as well as take ownership of client queries and use industry knowledge and experience to solve problems and overcome challenges. Furthermore, you should aim to exceed service quality standards, continuously improve processes, and undertake critical reviews of credit proposals to identify risks. Facilitating quick turnaround times for credit lending proposals in the mortgage business, ensuring collateral and other credit risk mitigation, and monitoring credit exposures to maintain bankable levels are key responsibilities. You will also be required to manage the credit underwriting function of your branch, work closely with local credit analysts and the sales team to facilitate quick credit lending proposals, and oversee the recovery of quick mortality cases. The ideal candidate should hold a graduate or postgraduate degree, with certifications such as CA/MBA being preferable.,