Cluster Credit Manager - Affordable Home Loans - Nadiad

BFSI connect; Nadiad; Vor Ort; INR 720.000 - 880.000; Vollzeit

Zusammenfassung

BFSI connect is seeking a Credit Manager to oversee credit underwriting and risk assessment for housing finance within the branch geo limit. You will evaluate borrower profiles, assess repayment capacity, and ensure policy compliance across the portfolio.

The role demands 3–4 years in credit underwriting for affordable housing, with strong FOIR/LTV/LCR knowledge and CAR expertise. Collaboration with sales, legal, and technical teams is essential.

Qualifikationen

• 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.
• Proficiency in identifying early warning signals and corrective actions.
• Graduate degree is required; MBA in Finance is preferred.
• Excellent attention to detail and analytical thinking, with sound decision-making.

Aufgaben

• Conduct detailed credit appraisal of home loan proposals within defined turnaround times.
• Analyze borrower profiles, financials, repayment capacity, and determine FOIR/LTV/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 based on market learnings.
• Conduct client discussions as required to assess intent and repayment behavior.
• Provide guidance and training to branch credit officers.

Kenntnisse

Credit Appraisal

Client Financials

FOIR/LTV/ROI

Risk Analysis

Affordable Housing Finance

Portfolio Monitoring

Policy Compliance

Report Writing

Stakeholder Coordination

Ausbildung

Graduate Degree

MBA in Finance

Jobbeschreibung

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 : Nadiad
• 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.