Credit Manager - Micro LAP

Godrej Industries Group; Satara; Hybrid; INR 600,000 - 900,000; Full time

Benefits offered by this job

Childcare benefits

Flexible work options

Elder care support

Job summary

Godrej Capital in India is seeking a Credit Underwriter to assess Micro LAP applications end-to-end from login to disbursal, ensuring policy adherence and sound credit decisions.

You will appraise loan applications for creditworthiness, perform KYC checks, and coordinate with stakeholders while training credit officers on processes and policies. The role includes in-person client meetings and maintaining processing TAT.

Qualifications

• 2–4 years of work experience in credit underwriting or lending.
• Experience with KYC norms and credit bureau assessment.
• Exposure to home loan disbursal processes.
• Ability to coordinate with stakeholders and train officers on procedures.

Responsibilities

• Credit assessment and underwriting of Micro LAP applications based on product and policy norms – end to end from login to disbursal of loans
• Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials
• Disbursal of Home loans including all checks and verifications
• Coordination with stakeholders, training of credit officers on processes and polices
• In-person meetings and discussions with clients
• Responsible for maintaining the processing TAT

Skills

Credit underwriting

KYC compliance

Credit bureau checks

Stakeholder coordination

Job description

About Godrej Industries Group (GIG)

GIG is a holding company of the Godrej Industries. We have significant interests in consumer goods, real estate, agriculture, chemicals, and financial services through our subsidiary and associate companies, across 18 countries.

www.godrejindustries.com

About Godrej Capital (GCL)

Godrej Capital is trusted lending partner advocating reliable, transparent, and fair lending practices backed by the legacy and trust of the Godrej Group spanning over 129 years.

www.godrejcapital.com

Job Description

• Credit assessment and underwriting of Micro LAP applications based on product and policy norms – end to end from login to disbursal of loans
• Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials
• Disbursal of Home loans including all checks and verifications
• Coordination with stakeholders, training of credit officers on processes and polices
• In-person meetings and discussions with clients
• Responsible for maintaining the processing TAT

Work Experience

2-4 years

Benefits

Be an equal parent

Childcare benefits for the birthing parent, commissioning parent (in case of surrogacy) or adoptive parent, and their partners

• 6 months of paid leave for primary caregivers, flexible work options on return for primary caregivers
• 2 months paid leave for secondary caregivers
• Caregiver travel for primary caregivers to bring a caregiver and children under a year old, on work travel

Coverage for childbirth and fertility treatment

No place for discrimination at Godrej

• Gender-neutral anti-harassment policy
• Same sex partner benefits at par with married spouses
• Coverage for gender reassignment surgery and hormone replacement therapy
• Community partnerships and advocacy
• Persons with Disability (PwD) care

We Are Selfish About Your Wellness

• Comprehensive health insurance plans, as well as accident coverage for you and your family, with top-up options
• Elder care for those who might need to extend support to senior family members
• Preventative healthcare support
• Outpatient Department (OPD) coverage, including vaccinations, dental, vision, etc.
• Uncapped sick leave
• Flexible work options, including remote working and part-time work
• Mental wellness and self-care programmes, resources and counselling

Celebrating wins, the Godrej Way

• Structured recognition platforms for individual, team and business-level achievements
• Digital and offline instant recognition platforms

An inclusive Godrej

Before you go, there is something important we want to highlight. There is no place for discrimination at Godrej. Diversity is the philosophy of who we are as a company. And has been for over a century. It’s not just in our DNA and nice to do. Being more diverse - especially having our team members reflect the diversity of our businesses and communities - helps us innovate better and grow faster. We hope this resonates with you.

We take pride in being an equal opportunities employer. We recognise merit and encourage diversity. We do not tolerate any form of discrimination on the basis of nationality, race, colour, religion, caste, gender identity or expression, sexual orientation, disability, age, or marital status and ensure equal opportunities for all our team members.