Area Credit Manager

Objective

To evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the LAP segment .Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role.

Key Responsibilities

• Credit Appraisal:
  Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
• Policy & Compliance:
  Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
• Income & Risk Assessment:
  Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
• Portfolio Monitoring:
  Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
• Process Efficiency:
  Collaborate with Operations and Sales to improve TAT and underwriting quality.
• Business Coordination:
  Work closely with Business Head, Sales, and Product teams to align growth with risk controls.
• Fraud & Risk Mitigation:
  Ensure field verifications, de-dupe checks, and property/legal due diligence.
• MIS & Analytics:
  Support credit governance with relevant MIS, dashboards, and portfolio insights.
• Training & Policy Communication:
  Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.

Required Know-how and Skills

If relevant - Type of specific experiences in different/similar jobs, formal education with specific details, professional training, language knowledge, computer skills, competencies etc.

1. Experience: 58 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).
2. Qualification: Graduate / MBA / CA preferred.
3. Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.
4. Behavioral Skills: Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs