Branch Credit Manager

IIFL Home Finance; Thane; On-site; INR 900,000 - 1,500,000; Full time

Job summary

IIFL Home Finance is seeking a qualified professional to underwrite home loan applications, analyze borrowers’ income and credit reports, and verify documents. The role supports agreement with policies, monitors risk signals, and collaborates with sales, operations, and legal teams.

The candidate should understand mortgage products, banking statements, and property/legal checks, with a preference for MBA/PGDM. This is an on-site opportunity in Maharashtra.

Qualifications

• Strong understanding of home loan underwriting and mortgage products.
• Knowledge of credit bureau analysis (CIBIL/Experian/Equifax).
• Familiarity with banking statements and income assessment.
• Understanding of property valuation and legal checks.

Responsibilities

• Assess home loan applications received through digital platforms.
• Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity.
• Evaluate salaried and self-employed customer profiles.
• Conduct credit underwriting as per company policy and risk parameters.
• Verify KYC, property documents, employment, and income details.
• Coordinate with sales, operations, legal, technical, and risk teams for loan processing.
• Identify fraud risks and policy deviations.
• Recommend approvals, rejections, or deviations within delegated authority limits.
• Monitor portfolio quality, delinquency trends, and early warning signals.
• Ensure compliance with regulatory and internal audit requirements.
• Maintain turnaround time (TAT) and productivity targets.
• Support automation and digital credit initiatives for improved customer experience.

Skills

Home loan underwriting

Credit bureau analysis

Income assessment

Salaried and self-employed profiles

Education

Bachelor's degree in Finance/Commerce/Business

MBA/PGDM preferred

Job description

Responsibilities

• -Assess home loan applications received through digital platforms.
• -Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity.
• -Evaluate salaried and self-employed customer profiles.
• -Conduct credit underwriting as per company policy and risk parameters.
• -Verify KYC, property documents, employment, and income details.
• -Coordinate with sales, operations, legal, technical, and risk teams for loan processing.
• -Identify fraud risks and policy deviations.
• -Recommend approvals, rejections, or deviations within delegated authority limits.
• -Monitor portfolio quality, delinquency trends, and early warning signals.
• -Ensure compliance with regulatory and internal audit requirements.
• -Maintain turnaround time (TAT) and productivity targets.
• -Support automation and digital credit initiatives for improved customer experience.

Required Skills

• -Strong understanding of home loan underwriting and mortgage products.
• -Knowledge of credit bureau analysis (CIBIL/Experian/Equifax).
• -Familiarity with banking statements and income assessment.
• -Understanding of property valuation and legal checks.

Education

• -Bachelors degree in Finance, Commerce, Business Administration, or related field.
• -MBA/PGDM preferred.