Cluster Credit Manager - Affordable Home Loans - Anand

BFSI connect; Anand; On-site; INR 720,000 - 880,000; Full time

Job summary

BFSI connect in Anand is seeking a Credit Manager to oversee underwriting and risk assessment for housing finance. The role targets strong CARs, FOIR/LTV/LCR metrics, and policy compliance within a branch setting.

The ideal candidate has 3–4 years of underwriting experience in affordable housing and will coordinate with sales, legal, and technical teams to ensure timely loan processing and portfolio hygiene.

Qualifications

• Minimum 3-4 years of credit underwriting experience in Affordable Home Loans or Housing Finance.
• Strong understanding of FOIR, LTV, LCR, and income assessment metrics.
• Hands-on experience in preparing and reviewing Credit Appraisal Reports (CARs).
• Ability to assess borrower profiles, financial documents and repayment capacity.
• Knowledge of risk evaluation, policy compliance, and portfolio hygiene.
• Coordination with sales, legal, and technical teams for loan processing.

Responsibilities

• Conduct detailed credit appraisal of home loan proposals within defined turnaround times.
• Analyze borrower profiles, financials, repayment capacity and set FOIR, LTV, and LCR limits.
• Prepare and review Credit Appraisal Reports (CARs) and recommend decisions per policy.
• Monitor portfolio quality, identify early warning signals, and implement corrective actions.
• Coordinate with sales, legal, and technical teams for smooth loan processing and disbursement.
• Ensure policy compliance and contribute to process improvements.
• Conduct client discussions to assess intent and repayment behavior.
• Provide guidance and training to branch credit officers.

Skills

Credit Appraisal

Financial Assessment

FOIR / LTV / LCR

Risk Analysis

Affordable Housing Finance

Portfolio Monitoring

Policy Compliance

Report Writing

Stakeholder Coordination

Education

Graduate degree

MBA in Finance (preferred)

Job description

Credit Manager to oversee credit underwriting and risk assessment across the geo limit assigned to the particular branch .The ideal candidate should have strong experience in credit appraisal, risk evaluation, and policy adherence in the housing finance or affordable lending domain.

• Locations : Anand
• Experience : 4
• Listing Date : 18-02-2026
• Skills Required : Credit Appraisal | Client Financial Assessment | FOIR / LTV / ROI Calculations | Risk Analysis | Affordable Housing Finance | Portfolio Monitoring | Policy Compliance | Report Writing & Review | Stakeholder Coordination
• Pay Details : Up to 8 LPA
• Must Have :

  • Minimum 3-4 years of credit underwriting experience in Affordable Home Loans or Housing Finance

  • Strong understanding of FOIR, LTV, LCR, and income assessment metrics

  • Hands-on experience in preparing and reviewing Credit Appraisal Reports (CARs)

  • Ability to assess borrower profiles, financial documents, and repayment capacity

  • Knowledge of risk evaluation, policy compliance, and portfolio hygiene

  • Coordination skills for working with sales, legal, and technical teams

  • Proficiency in identifying early warning signals and initiating corrective actions

  • Graduate degree is required; MBA in Finance is preferred

  • Excellent attention to detail, analytical thinking, and decision-making ability

  • Familiarity with affordable housing borrower segments and informal income documentation

Key Responsibilities :

Conduct detailed credit appraisal of home loan proposals within defined turnaround times.

Analyze borrower profiles, financials, repayment capacity, and determine FOIR, LTV, and LCR limits.

Prepare and review Credit Appraisal Reports (CARs) and recommend decisions as per credit policy.

Monitor portfolio quality, identify early warning signals, and implement corrective actions.

Coordinate with sales, legal, and technical teams for smooth loan processing and disbursement.

Ensure policy compliance and contribute to process improvements based on market learnings.

Conduct client discussions (as required) to assess intent and repayment behavior.

Provide guidance and training to branch credit officers.