Digital Credit Manager

Role & responsibilities

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.

Preferred candidate profile

-Minimum Graduate Required

-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.