Credit Manager - Home Loan Prime - Pune

Job Description:

Key Responsibilities:

1. Credit Assessment:

   • Evaluate home loan proposals based on income documents, banking, credit bureau reports, property documents, and other risk parameters.

   • Conduct personal discussions (PD) where required and provide recommendations.

2. Underwriting & Approval:

   • Approve files within assigned credit authority limits.

   • Recommend and escalate cases exceeding authority levels with proper justification.

3. Policy Implementation:

   • Ensure adherence to internal credit policy, regulatory norms (RBI, NHB), and KYC guidelines.

   • Provide feedback to policy team for potential changes based on market trends.

4. Risk Management:

   • Identify fraud indicators and conduct risk-based verifications.

   • Work with legal and technical teams for thorough due diligence on property and title checks.

5. Portfolio Monitoring:

   • Monitor the portfolio for early delinquencies and high-risk indicators.

   • Collaborate with collections and sales teams to reduce NPAs.

6. Stakeholder Management:

   • Liaise with sales, operations, legal, and technical teams for smooth processing.

   • Conduct training for sales and field staff on documentation and risk norms.

7. System and Documentation:

   • Maintain updated MIS and dashboards.

   • Ensure proper documentation and data entry in LOS/LMS systems.