Talent.com
Credit Portfolio Lead

Credit Portfolio Lead

CareerfitRepublic Of India, IN
14 hours ago
Job description

Note : Kindly apply only if you have the following :

  • Physical PD (Personal Discussion) experience
  • Mandatory exposure in Home Loan, Prime Housing Segment, LAP, Mortgage
  • Experience in handling ticket size more than 50 Lakhs with ROI of 9-14%
  • Based in Mumbai and available for face-to-face interview

Comfortable with 5-day working (Alternate Saturdays working)

Department : Credit

Location : Mumbai

Employment Type : Fulltime

Roles & Responsibilities

  • Assessment of borrowers profiles, repayment capacity and income stability.
  • Visiting business premise, property and residence of customer atthe time of PD
  • Understanding of actual business income & expenses (other than reported income) of customer
  • Ability to understand customer business and requirement from their perspective
  • Understanding credit worthiness of customer along with intention to repay the loan by analysis

    • of all documents, observation & findings of PD

  • Study, analysis and interpretation of legal & technical reports of property
  • Study, analysis and interpretation of other internal check reports
  • Underwriting and sanction of Home loan / loan against property files sourced by sales team
  • Revert on post sanction conditions prior to disbursement based on queries raised by the team
  • Recommendation of case to supervisors for seeking necessary decision based on deviation /

    • approval matrix

  • Co-ordinate and communicate with different departments
  • Maintaining TAT as per guidelines and taking case to decision point
  • Adherence to the policy / process laid out by the Central team on all loan applications being

    • processed

  • Close monitoring on non-starters / first EMI bounce trends
  • Maintaining and reporting of various MIS to monitor portfolio performance and risk
  • Continuously improvise underwriting capability based on portfolio performance

    • Key Skills / Requirements

  • Graduate with 3 - 5 years’ experience.
  • Strong knowledge of Prime home segment

    • Benefits

  • Competitive salary packages and bonuses.
  • Mediclaim plans for you and your dependents
  • Access to educational resources for self-improvement – technical and non-technical
    • Create a job alert for this search

    Portfolio Lead • Republic Of India, IN