Regional Credit Manager - Mumbai

India Mortgage Guarantee Corporation (IMGC)

8 - 12 years

15 - 20 Lacs

Mumbai

Posted:4 months ago| Platform:

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Skills Required

Credit Underwriting Home Loans Underwriting Mortgage Underwriting

Work Mode

Work from Office

Job Type

Full Time

Job Description

* Role & responsibilities

Implement and Act in accordance with Organizations Policies and Process and Credit Delegation
In addition, adhere to Regulatory and Audit Compliance
Review and Monitor Underwriters in terms of Loan Appraisals, TAT, Risk Appetite and Support to Business
Monitor Portfolio Quality
Provide valid inputs to Policy Team on hindsight and Competition benchmarks
Assist towards Process Key Improvement Activities
Ensure quality metrics of underwriting are maintained with error rates maintained within threshold limit.
Proactively inform about Red Flags and Triggers
To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures
Training the Credit Managers on Processes and policies
Work Closely with Sales Managers in Zones, Credit team and business teams of lenders to constantly refine credit underwriting processes in Zone across regions
Partnering with risk and policy teams to align products and policies , build on data driven underwriting practices.
Actively get involved in New lenders onboarding process, setting up process and policies and regular interaction with lenders credit and operations team.
Actively looking out for automation initiatives enabling better underwriting practices and lender delight.

Manage a team of underwriters across locations including ACMs and credit managers.

Preferred candidate profile

Financial Skills required for Underwriting
Behavioral Pattern of Customer Profiles. Market Risk and pattern of credit off takes
Region Specific – Business practices and market knowledge
Vendor Management
Leadership skills

Product and documentation knowledge

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