Credit Manager - Micro Housing

Tata Capital; Jamnagar, Junagadh, Rajkot; Hybrid; INR 600,000 - 1,000,000; Full time

Job summary

Tata Capital in Jamnagar, India is seeking a seasoned Credit Manager for Micro Housing who can lead a focused underwriting team and drive risk-based decisioning. The role emphasizes building high-performance teams, enforcing policy, and ensuring portfolio quality.

The candidate will oversee end-to-end credit assessment, underwrite diverse profiles, and collaborate with cross-functional units to maintain strict adherence to LTV norms and regulatory guidelines.

Qualifications

• Experience as a credit manager in Micro Housing.
• Proven ability to build and mentor teams.

Responsibilities

• Manage end-to-end credit assessment and approval for Micro Housing & LAP cases.
• Underwrite salaried and self-employed customer profiles, including high-value cases.
• Review and approve credit proposals, deviations, and disbursement requests as per policy guidelines.
• Ensure quality documentation, compliance, and adherence to LTV norms.
• Coordinate with FI, Legal, and Technical agencies for timely report completion.
• Monitor portfolio quality, delinquency trends, and support recovery initiatives.
• Lead and mentor the credit team, driving process efficiency and underwriting excellence.
• Develop, implement, and enhance credit policies and risk strategies aligned with local market requirements.
• Conduct thorough credit analysis, customer screening, and loan sanctioning to maintain portfolio quality.

Skills

Credit management

Team leadership

Credit underwriting

Portfolio risk

Job description

Key Requirements:

Should have Experience as a credit manager in Micro Housing.

Should have experience in Team Building and handling.

Key Responsibilities:

• Manage end-to-end credit assessment and approval for Micro Housing & LAP cases.
• Underwrite salaried and self-employed customer profiles, including high-value cases.
• Review and approve credit proposals, deviations, and disbursement requests as per policy guidelines.
• Ensure quality documentation, compliance, and adherence to LTV norms.
• Coordinate with FI, Legal, and Technical agencies for timely report completion.
• Monitor portfolio quality, delinquency trends, and support recovery initiatives.
• Lead and mentor the credit team, driving process efficiency and underwriting excellence.
• Develop, implement, and enhance credit policies and risk strategies aligned with local market requirements.
• Conduct thorough credit analysis, customer screening, and loan sanctioning to maintain portfolio quality.