Job Description: Key Responsibilities:

1. Credit Assessment:

- Evaluate home loan proposals based on income documents, banking, credit bureau reports, property documents, and other risk parameters.

- Conduct personal discussions (PD) where required and provide recommendations.

- Underwriting & Approval:

- Approve files within assigned credit authority limits.

- Recommend and escalate cases exceeding authority levels with proper justification.

- Policy Implementation:

- Ensure adherence to internal credit policy, regulatory norms (RBI, NHB), and KYC guidelines.

- Provide feedback to policy team for potential changes based on market trends.

- Risk Management:

- Identify fraud indicators and conduct risk-based verifications.





- Work with legal and technical teams for thorough due diligence on property and title checks.

- Portfolio Monitoring:

- Monitor the portfolio for early delinquencies and high-risk indicators.

- Collaborate with collections and sales teams to reduce NPAs.

- Stakeholder Management:

- Liaise with sales, operations, legal, and technical teams for smooth processing.

- Conduct training for sales and field staff on documentation and risk norms.

- System and Documentation:

- Maintain updated MIS and dashboards.

- Ensure proper documentation and data entry in LOS/LMS systems.

📌 Credit Manager - Home Loan Prime - Pune
🏢 Acura Solution
📍 Pune