Area Credit Manager

India Shelter Finance Corporation Ltd; Neemrana; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

India Shelter Finance Corporation Limited is seeking an Area Credit Manager for the Neemrana area. The role focuses on evaluating and approving housing finance loan files, assessing creditworthiness, and ensuring adherence to policy and regulatory guidelines.

You will work on-site with sales, operations, and collections teams to maintain portfolio quality, monitor performance, and drive risk controls. Strong analytical and communication skills are essential, with relevant housing finance or NBFC

Qualifications

• Experience in housing finance, NBFCs, or banking, especially in credit or risk roles.
• Strong credit management and credit risk evaluation abilities.
• Ability to work on-site in Neemrana and meet targets.
• Bachelor's or master's degree in Finance/Commerce/Business Administration or related field.

Responsibilities

• Evaluate and approve loan files within delegated authority.
• Assess customer creditworthiness and analyze financial documents.
• Ensure adherence to internal credit policies and regulatory guidelines.
• Collaborate with sales, operations, and collections to maintain portfolio quality.
• Monitor area-level credit performance and conduct portfolio reviews.
• Suggest improvements in credit processes and risk controls.

Skills

Credit management

Credit risk management

Analytical skills

Finance knowledge

Communication & decision-making

Education

Bachelor's or Master's degree in Finance

Commerce degree

MBA or related

Job description

Company Description

India Shelter Finance Corporation Limited (India Shelter) is a leading affordable housing finance company in India, focused on serving underserved and emerging customer segments. With over 12 years of experience and a presence across 15 states, the company supports self-employed individuals, salaried professionals, and families with informal or non-traditional income profiles. Its portfolio includes home purchase loans, construction loans, home extension and improvement loans, and loans against property. India Shelter emphasizes a customer‑centric approach, simple and transparent processes, and accessible housing finance to help more families achieve homeownership. Headquartered in Gurugram, Haryana, the company continues to expand its reach and impact across the country.

Role Description

The Area Credit Manager is a full‑time, on‑site role based in Neemrana, responsible for overseeing credit evaluation and approval processes for housing finance and related products within the assigned area. This role includes assessing customer creditworthiness, analyzing financial documents and property‑related information, and ensuring adherence to internal credit policies and regulatory guidelines. The Area Credit Manager will review and approve loan files within delegated authority, identify and mitigate credit risk, and collaborate closely with sales, operations, and collections teams to maintain portfolio quality. Daily activities also involve monitoring area‑level credit performance, supporting branch staff on credit decisions, conducting periodic portfolio reviews, and recommending improvements in credit processes and risk controls.

Qualifications

• Candidates should possess strong Credit Management and Credit skills for evaluating and approving loan proposals.
• Candidates should possess effective Credit Risk Management skills to identify, assess, and mitigate portfolio risks.
• Candidates should possess robust Analytical Skills for interpreting financial statements, income documentation, and risk indicators.
• Candidates should possess solid Finance knowledge to understand lending products, pricing, and regulatory requirements.
• Relevant experience in housing finance, NBFCs, or banking, preferably in credit or risk roles.
• Bachelor's or Master's degree in Finance, Commerce, Business Administration, or a related field.
• Strong communication and decision‑making abilities, with attention to detail and compliance orientation.
• Ability to work on‑site in Neemrana, manage multiple branches or locations, and meet time‑sensitive targets.