Credit Manager

Credit Manager - Home Loan/LAP Role Purpose:
To manage Home Loan/LAP credit for the assigned area by ensuring good quality approvals, timely decisions, policy compliance and healthy portfolio.

Key Responsibilities

• Lead and guide Credit Managers / Location Credit Managers.
• Ensure proper credit assessment for Home Loan/LAP loan proposals.
• Review customer profile, financials, banking, bureau, cash flows, existing loans, asset value and repayment ability.
• Handle cases across individuals, SMEs, mid-sized and large corporate customers.
• Ensure decisions are taken within policy, delegation and TAT.
• Monitor portfolio quality, early warning signs and delinquencies.
• Ensure proper documentation, compliance and audit readiness.
• Train and support the credit team on policy, process and credit assessment.
• Work closely with Sales, Collections, Operations, Risk, Legal and RCU teams.

Desired Profile

• CA preferred / MBA or Post Graduate.
• 2-3 years of experience in credit assessment / underwriting.
• Experience in Home Loan/LAP, SME finance, asset finance or corporate credit preferred.
• Strong understanding of financials, cash flows, repayment capacity and portfolio risk.

Role Summary Lead area-level Home loan/ LAP credit underwriting, team management and portfolio control while ensuring timely, policy-compliant and quality credit decisions.