Credit Manager - LAP

Credit Saison India (CS India); Kolhapur District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Credit Saison India (CS India) invites a seasoned Credit Manager to lead LAP credit assessment, policy development, and risk control for a growing real estate-backed lending portfolio.

You will guide analysts, work with sales, operations and legal teams, and ensure timely LAP processing while maintaining portfolio quality and regulatory compliance.

Qualifications

• 5–7 years of progressive experience in credit management with LAP focus.
• Bachelor’s degree in Finance, Accounting, or related field; MBA/CFA a plus.
• Expertise in financial statement analysis, underwriting, and risk management for real estate-backed lending.
• Strong knowledge of property valuation, collateral law, and regulatory frameworks.
• Excellent analytical, communication, and decision-making skills.
• Proficiency in credit analysis software and Excel.
• Ability to work independently and in a fast-paced team.

Responsibilities

• Lead end-to-end credit assessment for LAP applications including financial analysis and borrower profiling.
• Develop and implement LAP credit policies and underwriting guidelines.
• Conduct risk assessments and propose mitigation strategies.
• Manage LAP portfolio: delinquency tracking, recovery strategies, portfolio quality.
• Collaborate with sales, operations, and legal to ensure compliant processing.
• Stay updated on market trends, regulatory changes, and LAP landscape.
• Prepare detailed credit reports for senior management.
• Train and mentor junior analysts on LAP credit evaluation.
• Ensure adherence to internal policies and external regulations.

Skills

Credit analysis

Financial analysis

Risk management

Underwriting

Portfolio management

Communication

Education

Bachelor's degree in Finance/Accounting/Business Administration

MBA or CFA (plus)

Tools

Credit analysis software

MS Excel

Job description

Job Summary

We are seeking an experienced and detail-oriented Credit Manager specializing in Loan Against Property (LAP) to manage and optimize our credit portfolio. This role involves assessing creditworthiness, mitigating risks, and ensuring the timely and efficient processing of LAP applications while adhering to company policies and regulatory guidelines.

Job Responsibilities

• Lead the end-to-end credit assessment process for Loan Against Property applications, including financial analysis, property valuation, and borrower profiling.
• Develop and implement robust credit policies, procedures, and underwriting guidelines specifically tailored for LAP products.
• Conduct thorough risk assessments, identify potential credit risks, and propose effective mitigation strategies.
• Manage and monitor the existing LAP portfolio, including delinquency tracking, recovery strategies, and portfolio quality analysis.
• Collaborate closely with sales, operations, and legal teams to ensure seamless processing and compliance.
• Stay updated on market trends, regulatory changes, and competitive landscape affecting the LAP sector.
• Prepare detailed credit reports and present findings and recommendations to senior management.
• Train and mentor junior credit analysts on best practices for LAP credit evaluation.
• Ensure adherence to all internal credit policies, external regulations, and compliance requirements.

Job Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., CFA) is a plus.
• Minimum of 5-7 years of progressive experience in credit management, with a significant focus on Loan Against Property (LAP) products.
• Proven expertise in financial statement analysis, credit underwriting, and risk management specific to real estate-backed lending.
• Strong understanding of property valuation methods, legal aspects of property collateral, and relevant regulatory frameworks.
• Excellent analytical, problem-solving, and decision‑making skills.
• Exceptional communication and interpersonal skills, with the ability to articulate complex credit decisions clearly.
• Proficiency in credit analysis software and Microsoft Office Suite, especially Excel.
• Ability to work independently and as part of a team in a fast‑paced environment.

Any Graduates