Cluster Credit Manager - Housing (CCM)

Darwinbox Digital Solutions Pvt. Ltd.; India; On-site; INR 1,200,000 - 2,300,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. in India is seeking an experienced Credit Underwriting Lead to assess credit risk for Home Loans, including mortgage and MSME loans.

You will manage a team across clusters, ensure policy adherence, and coordinate with legal/technical agencies. The role requires 4+ years in home loan credit with strong knowledge of P&L and cash flows, and hands-on leadership to drive timely disbursement and portfolio quality.

Qualifications

• Graduate or Post graduate (MBA preferred) from a reputed college.
• 4+ years in Credit Home loans / Mortgage Loans / MSME Loans.
• Team handling experience is mandatory.

Responsibilities

• Ensure Credit policy and process adherence in the Cluster.
• Coordinate with Legal & Technical Agencies.
• Guide/Monitor Credit Officers of the cluster.
• Ensure timely training to branches in the cluster.
• Suggest Policy revisions in line with changing market conditions.

Skills

Credit risk assessment

Team management

RBI/KYC compliance

Customer segments (India)

Education

Graduate or MBA

Job description

Expertknowledge of assessing credit risk for Home Loan by applyingDeposit of Title Documents and Registration of Mortgageguidelines.

Conductincome appraisal of salaried and self-employed borrowers. Indepth understanding and analysis of P & L Account and BalanceSheet including cash flows of self-employed borrowers.

Assessincome to obligation ratios, loan to value ratios, in depthknowledge of rational behind calculation of ratios and its impacton loan performance over long tenures.

ProvideMarket intelligence from a competition and customer stand point

ManageCredit Officer’s team

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Manageentire Area underwriting teams

Handlingportfolio from 50 Cr to 200 Cr

Supervisingthe monthly disbursement of 60-150 files from the assigned area

EfficientTAT management by credit team

Ensureto strengthen area credit team to include more responsibilities

Tomanage direct and indirect team of close to 4-10 people.

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

• EnsureCredit policy and process adherence in the Cluster.
• Co-ordinatewith Legal & Technical Agencies.
• Guide/MonitorCredit Officers of the cluster.
• Ensuretimely training to branches in the cluster.
• SuggestPolicy revisions in line with changing market conditions.

Customer

Expertknowledge of customer segments in various markets of India andtheir performance histories.

Expertknowledge of negative profiles, negative property types andnegative property locations

Completeunderstanding of various collateral types of all regions andcities in India and their title documentation requirements forcreation of equitable mortgage

Knowledgeof property valuation process through vendors and knowledge &keen

interestin monitoring current property price / historical propertyprices.

Meetappropriate customers for understanding of their needs

Conductunderwriting for cases under purview

Pickup EWS for the set of clients in his area

Maintainportfolio quality of the Cluster as per company norms.

Monitoringand tracking of HL Loan cases.

Maintainvarious standard MIS for HL Loan.

Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies.

InternalProcess

• AppropriateIntervention to manage ground level risk effectively.
• Ensureadherence to RBI regulations on documentation and KYC compliance.
• LUCand periodic loan monitoring framework
• Timelyhiring of Credit Officer for the Cluster as per the budget

Learning& Performance

• Maintainup to date knowledge of HL and other related products.
• Upgradeself and team about changes happening in the market.
• Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives
• Ensureon time appraisal and suggest suitable career paths for staff

Note: Highlightonly the critical baseline responsibilities; and not activities thatthe role holder might do on an ad-hoc/on-off case

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduateor Post graduate (preferred MBA) from a reputed college.

Experience(Yearsand Core Experience Type)

Preferredexperience of 4 years or more in Credit Home loans/MortgageLoans/MSME Loans Loan products.

Teamhandling is a must.

Certifications

NA

FunctionalSkills

Knowledgeof Credit in LAP/Mortgage Loans/MSME Loans including termloans and overdrafts