Credit Manager

Careerfit; Mumbai; On-site; INR 800,000 - 1,200,000; Full time

Benefits offered by this job

Competitive salary packages

Mediclaim plans for you and your dependents

Access to educational resources for self-improvement

Job summary

A leading recruitment firm in Mumbai seeks a Talent Acquisition Specialist for HR operations. This role requires knowledge of prime home loans and involves assessing borrower profiles, managing client relations, and coordinating processes across departments. Candidates should have a graduate degree and 3-5 years of relevant experience. The job offers competitive salaries, bonuses, and benefits including medical insurance.

Qualifications

• 3-5 years of experience in talent acquisition or HR operations.
• Comfortable with physical personal discussions and home loan assessments.
• Strong analytical skills for financial evaluations.

Responsibilities

• Assess borrowers' profiles and repayment capacity.
• Visit customer business premises for discussions.
• Coordinate and communicate with various departments.
• Maintain turnaround time as per guidelines.

Skills

Prime home loan knowledge

Client and stakeholder management

Assessment of borrower profiles

Legal and technical report interpretation

Education

Graduate degree

Job description

Talent Acquisition Specialist | HR Operations | Team Lead | IT & Non-IT Hiring | Client & Stakeholder Management

Note: Kindly apply only if you have the following:

• Physical PD (Personal Discussion) experience
• Mandatory exposure in Home Loan, Prime Housing Segment, LAP, Mortgage
• Experience in handling ticket size more than 50 Lakhs with ROI of 9-14%
• Based in Mumbai and available for face-to-face interview

Comfortable with 5-day working (Alternate Saturdays working)

Department: Credit

Responsibilities

• Assessment of borrowers profiles, repayment capacity and income stability.
• Visiting business premise, property and residence of customer at the time of PD.
• Understanding of actual business income & expenses (other than reported income) of customer.
• Ability to understand customer business and requirement from their perspective.
• Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD.
• Study, analysis and interpretation of legal & technical reports of property.
• Study, analysis and interpretation of other internal check reports.
• Underwriting and sanction of Home loan/loan against property files sourced by sales team.
• Revert on post sanction conditions prior to disbursement based on queries raised by the team.
• Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix.
• Co-ordinate and communicate with different departments.
• Maintaining TAT as per guidelines and taking case to decision point.
• Adherence to the policy/ process laid out by the Central team on all loan applications being processed.
• Close monitoring on non-starters/first EMI bounce trends.
• Maintaining and reporting of various MIS to monitor portfolio performance and risk.
• Continuously improvise underwriting capability based on portfolio performance.

Key Skills / Requirements

• Graduate with 3 - 5 years’ experience.
• Strong knowledge of Prime home segment.
• Competitive salary packages and bonuses.
• Mediclaim plans for you and your dependents.
• Access to educational resources for self-improvement – technical and non-technical.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance and Management
• Financial Services and Banking

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