RCM Prime LAP

Home Credit India; Gurugram District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Home Credit India in Haryana seeks an experienced Credit Underwriter to evaluate LAP proposals for self-employed and informal borrowers. You will ensure compliance with RBI norms, assess income surrogates, property papers, and repayment capacity, and maintain portfolio health through monitoring of EWS and delinquency trends.

You will collaborate with Operations, Sales, and Product teams to align growth with risk controls, conduct field verifications, and support MIS and analytics.

Qualifications

• 5–8 years in credit underwriting for secured loans.
• Graduate / MBA / CA preferred.
• Expertise in income surrogates, property valuation, and legal risk assessment.
• Strong analytical and risk governance mindset.

Responsibilities

• Underwrite LAP proposals for self-employed and informal borrowers as per policy.
• Ensure adherence to RBI norms and regulatory guidelines during loan evaluation.
• Analyze customer financials, income surrogates, banking patterns, and property papers.
• Track delinquency trends and early warning signals to maintain portfolio health.
• Collaborate with Operations and Sales to improve TAT and underwriting quality.
• Work with Business Head, Sales, and Product teams to balance growth with risk controls.
• Conduct field verifications, de-dupe checks, and legal due diligence.
• Support governance with MIS, dashboards, and portfolio insights.
• Provide training on credit policies and documentation standards.

Skills

Credit underwriting

Risk governance

Analytical decision-making

Stakeholder management

Education

Graduate / MBA / CA

Job description

To evaluate, underwrite, and approve LAP (70 lac to 2 Cr)proposals within defined credit policies for the LAP segment .Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role.

Key Responsibilties

• Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
• Policy & Compliance:
• Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
• Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
• Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
• Process Efficiency:
• Collaborate with Operations and Sales to improve TAT and underwriting quality.
• Business Coordination:
• Work closely with Business Head, Sales, and Product teams to align growth with risk controls.
• Fraud & Risk Mitigation:
• Ensure field verifications, de-dupe checks, and property/legal due diligence.
• MIS & Analytics:
• Support credit governance with relevant MIS, dashboards, and portfolio insights.
• Training & Policy Communication:
• Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.

Required Skills

• Experience: 5–8 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).
• Qualification: Graduate / MBA / CA preferred.
• Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.
• Behavioral Skills: Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs