Digital Credit Manager

IIFL Finance; Pune District; On-site; INR 550,000 - 1,000,000; Full time

Job summary

IIFL Finance in Pune seeks a credit underwriting professional to assess applicant financials, income documents, and bureau reports to determine repayment capacity. The role covers both salaried and self-employed profiles and involves ensuring compliance with policy and risk limits.

You'll verify KYC, employment, and income details, coordinate with multiple teams, and monitor portfolio quality and regulatory compliance.

Qualifications

• Graduate with knowledge of home loan underwriting and mortgage products.
• Knowledge of credit bureau analysis (CIBIL/Experian/Equifax).
• Understanding of property valuation and legal checks.
• Familiarity with banking statements and income assessment.

Responsibilities

• Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity.
• Evaluate salaried and self-employed customer profiles.
• Conduct credit underwriting as per company policy and risk parameters.
• Verify KYC, property documents, employment, and income details.
• Coordinate with sales, operations, legal, technical, and risk teams for loan processing.
• Identify fraud risks and policy deviations.
• Recommend approvals, rejections, or deviations within delegated authority limits.
• Monitor portfolio quality, delinquency trends, and early warning signals.
• Ensure compliance with regulatory and internal audit requirements.
• Maintain turnaround time (TAT) and productivity targets.
• Support automation and digital credit initiatives for improved customer experience.

Skills

Credit underwriting

KYC verification

Fraud risk identification

Regulatory compliance

Education

Graduate

Job description

Role & responsibilities

• Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity.
• Evaluate salaried and self-employed customer profiles.
• Conduct credit underwriting as per company policy and risk parameters.
• Verify KYC, property documents, employment, and income details.
• Coordinate with sales, operations, legal, technical, and risk teams for loan processing.
• Identify fraud risks and policy deviations.
• Recommend approvals, rejections, or deviations within delegated authority limits.
• Monitor portfolio quality, delinquency trends, and early warning signals.
• Ensure compliance with regulatory and internal audit requirements.
• Maintain turnaround time (TAT) and productivity targets.
• Support automation and digital credit initiatives for improved customer experience.

Preferred candidate profile

• Minimum Graduate Required
• Strong understanding of home loan underwriting and mortgage products.
• Knowledge of credit bureau analysis (CIBIL/Experian/Equifax).
• Familiarity with banking statements and income assessment.
• Understanding of property valuation and legal checks.