Credit Processing Associate

Pink City Fincap; Mumbai, Meerut; On-site; INR 500,000 - 900,000; Full time

Job summary

Pink City Fincap in Mumbai is seeking a seasoned credit operations professional to manage HL and LAP processing, including KYC/AML checks, income validation, and credit appraisal. You will coordinate with legal and technical teams for property verification and disbursement readiness.

The role emphasizes meticulous documentation, risk identification, and cross-functional collaboration with Sales, Credit, Legal, and Operations to ensure timely approvals and compliant disbursement in a dynamic

Qualifications

• Processing HL & LAP applications with KYC/AML checks and document verification.
• Assess income, stability, FOIR/DTI, and overall creditworthiness for HL/LAP.
• Appraise salaried and self-employed profiles; evaluate property cases.
• Coordinate for property valuation, legal/technical reports, and collateral quality.
• Proficient use of LMS/CRM and credit portals; analyze data and prepare MIS.

Skills

Credit Operations HL & LAP

Financial Assessment

HL & LAP Credit Appraisal

Property & Collateral Assessment

Soft Professional Skills

Tools

Loan Management Systems (LMS)

CRM

CIBIL / Credit Bureau portals

Banking verification portals

MS Excel

Job description

Key Skills

1. 1. Credit Operations HL & LAP: Home Loan (HL) and Loan Against Property (LAP) application processing, customer profile verification, KYC & AML documentation, income and property document verification, credit appraisal, legal/technical coordination, sanction processing, and disbursement documentation.
2. 2. Financial Assessment: Analysis of bank statements, salary slips, Form 16/ITR, GST returns and financial statements to assess income stability, repayment capacity, FOIR/DTI, and overall creditworthiness for HL & LAP customers.
3. 3. HL & LAP Credit Appraisal: Assessment of salaried and self-employed profiles, evaluation of residential/commercial property cases, LTV assessment, existing obligations, bureau history, banking conduct, and identification of credit risks.
4. 4. Property & Collateral Assessment: Coordination for property valuation, technical and legal reports, title/property document verification, marketability of collateral, LTV compliance, and identification of deviations or documentation gaps.
5. 5. Technical Tools: Loan Management Systems (LMS), CRM, CIBIL/Credit Bureau portals, banking/verification portals, MS Excel, and internal credit processing systems for application tracking, bureau checks, data analysis, and MIS reporting.
6. 6. Soft Professional Skills: Turnaround Time (TAT) management, attention to detail, credit risk identification, compliance tracking, deviation monitoring, query resolution, and effective coordination with Sales, Credit, Legal, Technical, Operations, and Disbursement teams.

Only Male Candidates can apply