Area Credit Manager

IHFL; Bengaluru; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

IHFL Bengaluru is seeking an experienced professional to manage end-to-end credit processing for Home Loans, LAP, and Mortgage products, ensuring accuracy and timeliness. The role requires thorough verification of KYC, income, banking, property documents, and collateral, plus assessment of creditworthiness, repayment capacity, and adherence to policy and regulatory guidelines.

You will coordinate with sales, operations, and underwriters to resolve outstanding requirements and monitor turning

Qualifications

• Experience in end-to-end credit processing for Home Loans, LAP, and Mortgage products.
• Ability to verify KYC, income, banking, financials, property, and other loan-related documents.
• Assess creditworthiness, repayment capacity, income stability, and existing obligations.

Responsibilities

• Handle end-to-end credit processing for Home Loans, LAP, and Mortgage products.
• Verify customer KYC, Income, Banking, financials, property, and other loan-related documents.
• Conduct preliminary assessment of customer creditworthiness, repayment capacity, income stability, and existing obligations.
• Analyze salary slips, Form 16, ITRs, bank statements, GST returns, financial statements, and business documents as applicable.
• Review bureau/CIBIL reports, repayment history, existing liabilities, and credit behaviour.
• Coordinate with sales, credit, operations, legal, technical and external agencies for smooth processing.
• Ensure compliance with credit policy, eligibility norms, documentation requirements, and regulatory guidelines.
• Identify discrepancies, gaps, or potential risks in applications and obtain necessary clarifications/documents.
• Prepare and maintain credit notes, login sheets, deviation details, and case-related MIS/reports.
• Coordinate with credit managers/underwriters for case assessment, queries, approvals, and sanction processing.
• Track cases from login to sanction and disbursement, ensuring timely resolution of pending requirements.
• Verify property-related documents and coordinate with legal and technical teams for title clearance, valuation, and property assessment.
• Monitor TAT (Turnaround Time) and ensure cases are processed within defined timelines.
• Maintain accurate records and ensure data quality in CRM systems.
• Follow up on pending documents, credit queries, legal/technical reports, and sanction conditions.
• Support pre-disbursement checks and ensure all required conditions are fulfilled before disbursement.
• Escalate high-risk cases, policy deviations, fraud indicators, and documentation discrepancies to the appropriate authority.

Skills

Mortgage Credit

Credit processing

KYC verification

Documentation review

Job description

Role & responsibilities

• Handle end-to-end credit processing for Home Loans, Loan Against Property (LAP), and Mortgage products.
• Verify customer KYC, Income, Banking, financials, property, and other loan-related documents.
• Conduct preliminary assessment of customer creditworthiness, repayment capacity, income stability, and existing obligations.
• Analyze salary slips, Form 16, ITRs, bank statements, GST returns, financial statements, and business documents as applicable.
• Review bureau/CIBIL reports, repayment history, existing liabilities, and credit behaviour.
• Coordinate with sales, credit, operations, legal, technical and external agencies for smooth processing.
• Ensure compliance with credit policy, eligibility norms, documentation requirements, and regulatory guidelines.
• Identify discrepancies, gaps, or potential risks in applications and obtain necessary clarifications/documents.
• Prepare and maintain credit notes, login sheets, deviation details, and case-related MIS/reports.
• Coordinate with credit managers/underwriters for case assessment, queries, approvals, and sanction processing.
• Track cases from login to sanction and disbursement, ensuring timely resolution of pending requirements.otes, login sheets, deviation details, and case-related MIS/reports.
• Verify property-related documents and coordinate with legal and technical teams for title clearance, valuation, and property assessment.
• Monitor TAT (Turnaround Time) and ensure cases are processed within defined timelines.
• Maintain accurate records and ensure data quality in CRM systems.
• Follow up on pending documents, credit queries, legal/technical reports, and sanction conditions.
• Support pre-disbursement checks and ensure all required conditions are fulfilled before disbursement.
• Escalate high-risk cases, policy deviations, fraud indicators, and documentation discrepancies to the appropriate authority.

Preferred candidate profile

• Min 10-14 years of experience in Mortgage Credit