Credit Manager-Business Loans-Credit

Credit Manager-Mass Market Designation Credit Manager Grade Senior Executive Reporting to Area Credit Manager Location Mumbai & Pune Function Risk (Underwriting) Job Purpose The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans Role - Credit assessment and underwriting of mortgage loan applications based on product and policy norms – end to end from login to disbursal of loans - Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials - Disbursal of Mortgage Loans including all checks and verifications - Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices - In-person meetings and discussions with clients - Responsible for maintaining the processing TAT - Participate in and clear regular internal and external audits - Vendor management, including quality monitoring Qualification & experience Qualification & experience Years of experience – 3 to 5 years preferred Mandatory Qualification – MBA in Finance / CA Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios Essential skills Ability to work in unstructured and evolving situations with an open mind Adhere to expected TAT without compromising on quality Work collaboratively with Sales and Operations team in the location to achieve strategic business goals Ability to understand customer needs and be responsive Technology skills – understanding of and working with existing market technologies in the mortgage industry