Credit Manager - Home Loan Assessment and Risk Management

Credit Manager Credit Assessment & Underwriting Analyze home loan applications and assess borrower eligibility. Evaluate customer repayment capacity, income stability, and creditworthiness. Review financial documents, bank statements, income proofs, and credit bureau reports (CIBIL, Experian, etc.). Conduct detailed cash flow and income assessment, especially for self-employed and informal-income customers. Risk Evaluation Identify and mitigate credit risks associated with loan proposals. Ensure compliance with internal credit policies and regulatory requirements. Assess collateral value and verify property-related documents. Recommend approval, rejection, or modification of loan proposals based on risk assessment. Field Investigation & Verification Review reports from field investigations, residence verification, and employment/business verification. Validate customer profiles and detect potential fraud risks. Coordinate with legal and technical agencies for property and valuation checks. Portfolio Quality Management Monitor loan portfolio performance and delinquency trends. Ensure early identification of high-risk cases. Support collections and recovery teams in resolving problem accounts. Stakeholder Coordination Work closely with Sales, Operations, Legal, Technical, and Collection teams. Provide guidance to sales teams regarding credit policy requirements. Ensure timely turnaround time (TAT) for loan decisions. Compliance & Audit Maintain compliance with RBI regulations and company credit policies. Support internal and external audits. Ensure proper documentation and record maintenance. Key Skills Required Credit appraisal and underwriting Financial statement analysis Income assessment (salaried and self-employed customers) Property and mortgage lending knowledge Risk management and fraud detection Analytical and decision-making skills Knowledge of CIBIL and bureau analysis Communication and stakeholder management Educational Qualification Graduate in Commerce, Finance, Business Administration, Economics, or related field. MBA (Finance) / CA Inter / ICWA is preferred. Experience Typically 3-8 years of experience in Housing Finance Companies (HFCs), Banks, or NBFCs. Experience in Home Loans, Affordable Housing Finance, LAP, or Mortgage lending preferred.