Job Description

Job Requirements

Job Title –Associate Credit Manager – Home Loans

Place of work - Mumbai

Business Unit – Credit

Function – Retail Underwriting

Job Purpose :

The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy.

The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities:
Support underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes
Conduct personal discussion with customers to establish credit worthiness
Help control and contain front-end delinquencies by calling up customer on first presentation




Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits-Coordinate with sales to achieve targets and ensure SLAs are met
Help in ensuring credit policy adherence to the accepted standards
Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through current sourcing
Help review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank's credit policy

Managerial & Leadership Responsibilities:
Attract and retain best-in-class talent for key roles in their reporting structure

Educational Qualifications:

Graduate – Any (Full Time)

Post Graduate – Any(Full Time)

Experience:
2 years of experience in credit.

📌 Associate Credit Manager Home Loans Delhi
🏢 IDFC
📍 Delhi