Credit Manager- NBFC -LAS

MONEYLICIOUS INVESTMENTS AND CONSULTING SERVICES PRIVATE LIMITED; Mumbai; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

MONEYLICIOUS INVESTMENTS AND CONSULTING SERVICES PRIVATE LIMITED is seeking a Credit Manager for Loans Against Securities (LAS) to lead underwriting decisions and manage risk across LAS portfolios in Mumbai. The role focuses on credit appraisal, collateral evaluation and compliance with internal policies and regulatory guidelines.

The ideal candidate will have 8-10 years in LAS Credit or Credit Risk, with deep knowledge of equity shares, mutual funds, securities pledging and LTV management.

Qualifications

• 8-10 years of experience in LAS Credit, Underwriting or Credit Risk Management within an NBFC or financial institution.
• Strong understanding of equity shares, mutual funds, securities pledging, collateral valuation and margin monitoring.
• Proven expertise in credit assessment, portfolio monitoring and risk controls.
• Proven ability to monitor portfolios and implement risk controls.

Responsibilities

• Lead credit appraisal, underwriting and risk assessment for LAS proposals.
• Evaluate borrower profiles, collateral eligibility, securities valuation and LTV ratios.
• Monitor collateral coverage, margin shortfalls, margin calls and portfolio exposure.
• Ensure credit decisions align with internal policies and regulatory guidelines.
• Identify emerging credit risks and implement effective mitigation strategies.
• Collaborate with Business, Risk and Operations teams to maintain portfolio quality and enable efficient credit processing.

Skills

LAS Credit

Underwriting

Credit Risk

Risk Management

Portfolio Monitoring

Portfolio monitoring

Regulatory compliance

Stakeholder management

Job description

Hiring | Credit Manager - Loans Against Securities (LAS)

Looking to take your expertise in Loans Against Securities (LAS) to the next level? This opportunity offers experienced credit professionals the chance to drive critical underwriting decisions, strengthen portfolio quality and contribute to the growth of a securities-backed lending business within an NBFC.

Key Responsibilities

• Lead credit appraisal, underwriting and risk assessment for LAS proposals.
• Evaluate borrower profiles, collateral eligibility, securities valuation and Loan-to-Value (LTV) ratios.
• Monitor collateral coverage, margin shortfalls, margin calls and portfolio exposure.
• Ensure credit decisions align with internal policies and applicable regulatory guidelines.
• Identify emerging credit risks and implement effective mitigation strategies.
• Collaborate with Business, Risk and Operations teams to maintain portfolio quality and enable efficient credit processing.

Ideal Candidate

• 8-10 years of relevant experience in LAS Credit, Underwriting or Credit Risk Management within an NBFC or financial institution.
• Strong understanding of equity shares, mutual funds, securities pledging, collateral valuation and margin monitoring.
• Proven expertise in credit assessment, portfolio monitoring and risk controls.
• Strong analytical judgement, decision-making and stakeholder management skills.