Credit Processing Manager - Digital Lending

CREDIT PROCESSING MANAGER - DIGITAL Role Profile CREDIT PROCESSING MANAGER - DIGITAL Page Break ROLE SPECIFICATION Role Title CREDIT PROCESSING MANAGER - DIGITAL Employee Interviewed Reports To Ganesh Esakky Company Muthoot Fincorp Limited Function/Department SULB/ Business Loan - Credit Location Chennai Written By Approved By (Functional) Approved By (People & Culture) Date (Written On) ROLE SUMMARY The Credit Processing Manager – Unsecured Loans is responsible for evaluating, approving, and monitoring unsecured loan applications while ensuring portfolio quality, risk control, regulatory compliance, and achievement of business objectives. The role involves developing credit policies, managing underwriting, analyzing credit risk trends, and maintaining a healthy loan portfolio also ensure on audit compliance ORGANIZATIONAL CHART KEY RESPONSIBILITIES Operations & Transactional Review and approve unsecured loan applications in line with credit policy and delegated authority. Analyze customer creditworthiness using income documents, bureau reports, bank statements, and alternative data sources. Evaluate risk parameters such as repayment capacity, indebtedness, credit history, and fraud indicators. Recommend approvals, declines, or policy exceptions with adequate justification Process Improvement Develop and implement credit policies, underwriting guidelines, and risk controls. Review existing processes and recommend enhancements to improve decision quality and efficiency. Ensure compliance with regulatory requirements, internal policies, and audit standards. Monitor portfolio performance, delinquency trends, and vintage analysis. Track key metrics including approval rates, rejection rates, delinquencies, loss rates, and portfolio profitability KEY INTERACTIONS Internal Stakeholders External Stakeholders Work closely with Sales, Operations, Collections, RCU, and Product teams. External Tech Vendors, RCU vendor KEY ROLE DIMENSIONS Geographical coverage – Direct reportees Total team size SULB KEY SKILLS & BEHAVIOURAL ATTRIBUTES Credit Underwriting in retail product like PL/BL loans Credit Bureau Analysis on all aspects Financial Statement Analysis Fraud Risk Management Portfolio Analytics Team Management Regulatory Compliance Decision-Making & Problem Solving Advanced Excel PPT EDUCATION / EXPERIENCE 5-7 years of experience in retail lending and credit Underwriting Strong experience in unsecured lending products such as: Personal Loans Consumer Loans Business Loans Credit Cards Digital Lending Products