Territory Credit Manager

ICICI Home Finance (ICICI HFC); Prayagraj, Varanasi; On-site; INR 700,000 - 1,100,000; Full time

Job summary

ICICI Home Finance (ICICI HFC) seeks a qualified professional to lead mortgage credit underwriting and portfolio management. You will oversee onboarding, credit appraisal, and delinquency prevention while ensuring compliance with risk frameworks and regulatory guidelines.

The role involves managing collections for the territory, post-disbursement documentation, and guiding the team to meet product and policy standards. Strong analytical and collaboration skills are essential.

Qualifications

• Qualification: CA or MBA Finance (Full Time) required.
• Experience with home loan & loan against property in current role.
• Knowledge of credit underwriting for mortgage products.
• Regulatory, legal and compliance knowledge related to mortgage industry.
• Analytical mindset with understanding of financial ratios.
• Planning and detail-oriented mindset.

Responsibilities

• Provides exceptional customer service through timely review of credit requests, onboarding and query resolution.
• Ensures effective credit appraisal process and financial analysis considering customer and org needs, and delinquency probabilities.
• Acts as custodian of the portfolio, tracks and maintains portfolio quality, manages credit process and monitors customer accounts.
• Owns collections for the territory and oversees allocation, monitoring and review of delinquent accounts.
• Manages post disbursement documents and ensures adherence to credit compliance, legal and risk frameworks.
• Manages audit and hind-sighting activities.
• Enables achievement of territory business target by underwriting loan proposals with quality, ensuring product and policy norms are understood.
• Imparts credit knowledge and nurtures team members and channel partners to ensure portfolio quality.
• Builds confidence in the market and channel partners through exemplary services from login to disbursement and post-disbursement.

Skills

Credit underwriting

Analytical thinking

Planning & collaboration

Regulatory awareness

Education

CA or MBA Finance (Full Time)

Job description

Role & responsibilities

• Provides exceptional customer service through timely review of credit requests, smooth onboarding and query resolution.
• Ensures an effective credit appraisal process, financial analysis keeping in mind the customer and organizational needs & identify any probabilities of delinquencies.
• Acts as custodian of the portfolio, tracks & maintains overall portfolio quality, manages credit process and proactively monitors customer accounts.
• Owns collections for the territory and is responsible for allocation, monitoring and review of delinquent accounts.
• Manages post disbursement related documents and ensures adherence to credit compliance, legal and risk frameworks.
• Manages audit and hind-sighting activities.
• Enables achievement of territory business target by under-writing loan proposals with desired level of quality, ensuring product and policy norms are met and understood by the team.
• Imparts credit knowledge and nurtures team members and channel partners ensuring quality portfolio.
• Builds confidence in the market and channel partners through exemplary services from log-in to disbursement & post disbursement.

Preferred candidate profile

• Qualification - CA or MBA Finance (Full Time)
• Should be handling home loan and loan against property in current role, mortgage background.
• Knowledge of credit underwriting for mortgage related products.
• Regulatory, legal and compliance knowledge related to the mortgage industry.
• Analytical bent of mind with understanding of financial ratios.
• Planning and collaborative skills with detail-oriented mindset.