Branch Credit Manager
IIFL Home Finance · Not specified · onsite · Posted 37d ago
Undisclosed3–7 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
-Assess home loan applications received through digital platforms.
-Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity.
-Evaluate salaried and self-employed customer profiles.
-Conduct credit underwriting as per company policy and risk parameters.
-Verify KYC, property documents, employment, and income details.
-Coordinate with sales, operations, legal, technical, and risk teams for loan processing.
-Identify fraud risks and policy deviations.
-Recommend approvals, rejections, or deviations within delegated authority limits.
-Monitor portfolio quality, delinquency trends, and early warning signals.
-Ensure compliance with regulatory and internal audit requirements.
-Maintain turnaround time (TAT) and productivity targets.
-Support automation and digital credit initiatives for improved customer experience.
Required Skills:
-Strong understanding of home loan underwriting and mortgage products.
-Knowledge of credit bureau analysis (CIBIL/Experian/Equifax).
-Familiarity with banking statements and income assessment.
-Understanding of property valuation and legal checks.
Education
-Bachelors degree in Finance, Commerce, Business Administration, or related field.
-MBA/PGDM preferred.
-Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity.
-Evaluate salaried and self-employed customer profiles.
-Conduct credit underwriting as per company policy and risk parameters.
-Verify KYC, property documents, employment, and income details.
-Coordinate with sales, operations, legal, technical, and risk teams for loan processing.
-Identify fraud risks and policy deviations.
-Recommend approvals, rejections, or deviations within delegated authority limits.
-Monitor portfolio quality, delinquency trends, and early warning signals.
-Ensure compliance with regulatory and internal audit requirements.
-Maintain turnaround time (TAT) and productivity targets.
-Support automation and digital credit initiatives for improved customer experience.
Required Skills:
-Strong understanding of home loan underwriting and mortgage products.
-Knowledge of credit bureau analysis (CIBIL/Experian/Equifax).
-Familiarity with banking statements and income assessment.
-Understanding of property valuation and legal checks.
Education
-Bachelors degree in Finance, Commerce, Business Administration, or related field.
-MBA/PGDM preferred.
Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
Sourced from naukri
Skills
Customer ExperienceAutomationdigital platformsportfolio qualityLoan ProcessingBankingProperty ValuationHome loanInternal AuditMortgageCredit UnderwritingoperationsSalesAdministrationLegalcomplianceKYCfinance
About IIFL Home Finance
IIFL Home Finance
NBFC
4.6k+
employees
Gurgaon / Gurugram, Haryana
India
₹6.6L PA avg
Avg at IIFL Home Finance
About
Provides a variety of financial services including loans and advisory, aiming to meet diverse client needs with convenient financial solutions.
Industries
NBFCFinancial Services
Employee ratings
10 reviews
3.8/ 5
Culture
4.0
Career growth
3.4
Work-life
4.2
Employees rate it well for
Overall Company38Compensation & Benefits37
Find them on