Cluster Credit Manager - Affordable Housing Finance

Godrej Industries Group; Nashik District; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Godrej Industries Group is seeking a senior credit leader to manage the credit function across a cluster of branches for Affordable Housing Finance. You will evaluate housing loan and LAP proposals, assess income, repayment capacity, bureau history, collateral, and overall creditworthiness, and guide a team to maintain high underwriting standards.

You will monitor portfolio quality, collaborate with sales, review branch performance, and drive improvements in credit processes, audit closure, and

Responsibilities

• Lead and manage the credit function across a cluster of branches for the Affordable Housing Finance business.
• Evaluate and approve/ recommend housing loan and LAP proposals in line with the organisation’s credit policy and delegated authority.
• Ensure robust assessment of customers across income, repayment capacity, banking behaviour, bureau history, collateral, and overall creditworthiness.
• Review complex and high-value cases and provide sound, data-driven credit decisions.
• Ensure adherence to credit policies, processes, regulatory guidelines, and risk parameters.
• Monitor portfolio quality across the cluster and identify early warning signals, deviations, and emerging credit risks.
• Work closely with Sales teams to balance business growth with portfolio quality and risk appetite.
• Conduct regular reviews of branch-level credit performance, approval rates, TAT, deviations, delinquency trends, and portfolio metrics.
• Guide and mentor the credit team, ensuring quality underwriting and consistent application of credit policies.
• Ensure effective management and closure of credit-related audit observations and process gaps.
• Collaborate with Risk, Operations, Legal, Collections, and other functions to resolve complex cases and strengthen portfolio quality.
• Analyse market, customer, and portfolio trends to identify potential risks and recommend corrective actions.
• Ensure appropriate documentation, controls, and compliance throughout the credit lifecycle.
• Drive continuous improvement in credit processes, turnaround time, and underwriting quality.

Job description

Job Requirements

About Godrej Industries Group (GIG)

GIG is a holding company of the Godrej Industries. We have significant interests in consumer goods, real estate, agriculture, chemicals, and financial services through our subsidiary and associate companies, across 18 countries.

www.godrejindustries.com

About Godrej Capital (GCL)

Godrej Capital is trusted lending partner advocating reliable, transparent, and fair lending practices backed by the legacy and trust of the Godrej Group spanning over 129 years.

www.godrejcapital.com

Job Description

• Lead and manage the credit function across a cluster of branches for the Affordable Housing Finance business.
• Evaluate and approve/ recommend housing loan and LAP proposals in line with the organisation’s credit policy and delegated authority.
• Ensure robust assessment of customers across income, repayment capacity, banking behaviour, bureau history, collateral, and overall creditworthiness.
• Review complex and high-value cases and provide sound, data-driven credit decisions.
• Ensure adherence to credit policies, processes, regulatory guidelines, and risk parameters.
• Monitor portfolio quality across the cluster and identify early warning signals, deviations, and emerging credit risks.
• Work closely with Sales teams to balance business growth with portfolio quality and risk appetite.
• Conduct regular reviews of branch-level credit performance, approval rates, TAT, deviations, delinquency trends, and portfolio metrics.
• Guide and mentor the credit team, ensuring quality underwriting and consistent application of credit policies.
• Ensure effective management and closure of credit-related audit observations and process gaps.
• Collaborate with Risk, Operations, Legal, Collections, and other functions to resolve complex cases and strengthen portfolio quality.
• Analyse market, customer, and portfolio trends to identify potential risks and recommend corrective actions.
• Ensure appropriate documentation, controls, and compliance throughout the credit lifecycle.
• Drive continuous improvement in credit processes, turnaround time, and underwriting quality.

Work Experience

8–10 years

Benefits

Be an equal parent

Childcare benefits for the birthing parent, commissioning parent (in case of surrogacy) or adoptive parent, and their partners

• 6 months of paid leave for primary caregivers, flexible work options on return for primary caregivers
• 2 months paid leave for secondary caregivers
• Caregiver travel for primary caregivers to bring a caregiver and children under a year old, on work travel

Coverage for childbirth and fertility treatment

No place for discrimination at Godrej

• Gender-neutral anti-harassment policy
• Same sex partner benefits at par with married spouses
• Coverage for gender reassignment surgery and hormone replacement therapy
• Community partnerships and advocacy
• Persons with Disability (PwD) care

We Are Selfish About Your Wellness

• Comprehensive health insurance plans, as well as accident coverage for you and your family, with top-up options
• Elder care for those who might need to extend support to senior family members
• Preventative healthcare support
• Outpatient Department (OPD) coverage, including vaccinations, dental, vision, etc.
• Uncapped sick leave
• Flexible work options, including remote working and part-time work
• Mental wellness and self-care programmes, resources and counselling

Celebrating wins, the Godrej Way

• Structured recognition platforms for individual, team and business-level achievements
• Digital and offline instant recognition platforms

An inclusive Godrej

Before you go, there is something important we want to highlight. There is no place for discrimination at Godrej. Diversity is the philosophy of who we are as a company. And has been for over a century. It’s not just in our DNA and nice to do. Being more diverse - especially having our team members reflect the diversity of our businesses and communities - helps us innovate better and grow faster. We hope this resonates with you.

We take pride in being an equal opportunities employer. We recognise merit and encourage diversity. We do not tolerate any form of discrimination on the basis of nationality, race, colour, religion, caste, gender identity or expression, sexual orientation, disability, age, or marital status and ensure equal opportunities for all our team members.