Credit & Operations Manager

SUMMARY

Hero Housing Finance is seeking an experienced and detail-oriented Credit & Operations Manager to oversee credit underwriting, loan processing, operational efficiency, and portfolio quality for our Home Loan, LAP (Loan Against Property), and Affordable Housing Loan business. The role requires strong analytical skills, operational excellence, and the ability to ensure compliance while delivering a seamless customer experience.

JOB TITLE

Credit & Operations Manager

WORK EXPERIENCE

3-6 Years

Industry Preference: Housing Finance Companies (HFCs), NBFCs, Banks, Home Loan, LAP, and Affordable Housing Finance.

KEY ROLES & RESPONSIBILITIES

• Assess and underwrite Home Loan, LAP, and Affordable Housing Loan applications in accordance with company policies and risk parameters.
• Conduct detailed credit evaluations, income assessments, banking analysis, and profile checks to determine borrower eligibility.
• Manage end-to-end loan operations, including login, processing, sanctioning, documentation, disbursement, and post-disbursement activities.
• Coordinate with Sales, Legal, Technical, and Central Operations teams to ensure smooth loan processing and timely disbursement.
• Verify financial, legal, technical, and KYC documents to ensure compliance with internal and regulatory requirements.
• Monitor loan portfolio quality and proactively manage credit risks.
• Ensure adherence to operational processes, regulatory guidelines, audit requirements, and company policies.
• Drive operational efficiency and maintain TATs (Turnaround Times) for credit decisions and loan disbursements.
• Maintain branch operations MIS and prepare regular reports on credit quality, disbursement status, and operational performance.
• Support branch business growth while maintaining strong credit discipline and risk management standards.

REQUIRED SKILLS

• Strong knowledge of Home Loan, LAP, and Affordable Housing Loan underwriting.
• Expertise in credit appraisal, financial analysis, risk assessment, and banking analysis.
• Sound understanding of legal, technical, and operational aspects of mortgage lending.
• Excellent analytical, problem-solving, and decision-making abilities.
• Strong attention to detail and compliance orientation.
• Ability to work effectively with cross-functional teams and stakeholders.
• Proficiency in LOS, LMS, CRM platforms, and Microsoft Office applications.
• Strong communication and interpersonal skills.

QUALIFICATIONS

• Bachelor's Degree in Finance, Commerce, Business Administration, or related field.
• Candidates with professional certifications in Credit or Risk Management will be preferred.
• 3-6 years of relevant experience in Credit, Underwriting, Operations, or Mortgage Lending within HFCs, NBFCs, or Banks.