Credit Manager-Home Loans

IDFC FIRST Bank; Vapi; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

IDFC FIRST Bank in Gujarat is seeking a Credit Manager – Home Loans to lead a team and coordinate with the sales force to meet area targets. You will assess credit worthiness, verify documents, and ensure adherence to credit policy while balancing sales growth and risk control.

The role requires 2-5 years in credit, a full-time graduate/postgraduate background, and hands-on experience in underwriting secured and unsecured proposals. Join a key retail banking unit and drive loan outcomes.

Qualifications

• Graduate – Any (Full Time).
• Post Graduate – Any(Full Time).
• 2 - 5 years of experience in credit.

Responsibilities

• Underwrite secured and unsecured loan proposals per policy.

Skills

Underwriting

Team leadership

Client interaction

Policy adherence

Education

Graduate (Full Time)

Post Graduate (Full Time)

Job description

Job Title – Credit Manager – Home Loans

Business Unit – Retail Banking

Function – Credit

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

Educational Qualifications:

Graduate – Any (Full Time)

Post Graduate – Any(Full Time)

Experience:

2 - 5 years of experience in credit.