Credit Manager-Home Loans

Idfc First Bank Limited; Dehradun; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Idfc First Bank Limited invites applications for the position of Credit Manager – Home Loans in Dehradun. You will lead a team of credit underwriters, assess loan viability, and ensure compliance with credit policies while coordinating with the sales force to hit area targets.

The role requires 2–5 years of credit experience, strong in underwriting, KYC, and customer discussions, with a focus on risk mitigation and service delivery within Retail Banking.

Qualifications

• Underwrite secured and unsecured loan proposals per policy.
• Lead and guide a team of credit underwriters.
• Interact with customers to assess creditworthiness and verify documents.

Responsibilities

• Underwrite proposals for home loan customers per policies and SLAs.
• Supervise a team of credit underwriters and provide guidance.
• Contact customers to establish creditworthiness and verify KYC.
• Coordinate with sales to achieve targets and meet SLAs.
• Ensure adherence to credit policy and risk standards.

Skills

Credit underwriting

Team supervision

Customer discussions

KYC verification

Sales coordination

Policy adherence

Education

Graduate – Any (Full Time)

Post Graduate – Any(Full Time)

Job description

Job Description:

Job Requirements

Job Title – Credit Manager – Home Loans

Business Unit – Retail Banking

Function – Credit

Job Purpose :

The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities:

• Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes
• Supervise a team of credit underwriters and provide guidelines
• Conduct personal discussion with customers to establish credit worthiness
• Control and contain front-end delinquencies by calling up customer on first presentation
• Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits
• Coordinate with sales to achieve targets and ensure SLAs are met
• Ensuring credit policy adherence to the accepted standards

Managerial & Leadership Responsibilities: -

Educational Qualifications:

Graduate – Any (Full Time)

Post Graduate – Any(Full Time)

Experience:

2 - 5 years of experience in credit.

Requirements: