Role Profile

CREDIT PROCESSING MANAGER - DIGITAL

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ROLE SPECIFICATION

Role Title

CREDIT PROCESSING MANAGER - DIGITAL

Employee Interviewed

Reports To

Ganesh Esakky

Company

Muthoot Fincorp Limited

Function/Department

SULB/ Business Loan - Credit

Location

Chennai

Written By

Approved By (Functional)

Approved By (People & Culture)

Date (Written On)

ROLE SUMMARY The Credit Processing Manager – Unsecured Loans is responsible for evaluating, approving, and monitoring unsecured loan applications while ensuring portfolio quality, risk control, regulatory compliance, and achievement of business objectives. The role involves developing credit policies, managing underwriting, analyzing credit risk trends, and maintaining a healthy loan portfolio also ensure on audit compliance

ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

Operations & Transactional

- Review and approve unsecured loan applications in line with credit policy and delegated authority.
- Analyze customer creditworthiness using income documents, bureau reports, bank statements, and alternative data sources.
- Evaluate risk parameters such as repayment capacity, indebtedness, credit history, and fraud indicators.
- Recommend approvals, declines, or policy exceptions with adequate justification

Process Improvement
- Develop and implement credit policies,



underwriting guidelines, and risk controls.
- Review existing processes and recommend enhancements to improve decision quality and efficiency.
- Ensure compliance with regulatory requirements, internal policies, and audit standards.
- Monitor portfolio performance, delinquency trends, and vintage analysis.
- Track key metrics including approval rates, rejection rates, delinquencies, loss rates, and portfolio profitability

KEY INTERACTIONS

Internal Stakeholders

External Stakeholders

- Work closely with Sales, Operations, Collections, RCU, and Product teams.

- External Tech Vendors, RCU vendor

KEY ROLE DIMENSIONS

Geographical coverage –

Direct reportees

Total team size

SULB

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

- Credit Underwriting in retail product like PL/BL loans
- Credit Bureau Analysis on all aspects
- Financial Statement Analysis
- Fraud Risk Management
- Portfolio Analytics
- Team Management
- Regulatory Compliance
- Decision-Making & Problem Solving
- Advanced Excel PPT

EDUCATION / EXPERIENCE

- 5-7 years of experience in retail lending and credit Underwriting
- Solid experience in unsecured lending products such as:

- Personal Loans
- Consumer Loans
- Business Loans
- Credit Cards
- Digital Lending Products

📌 Credit Processing Manager - Digital (Chennai)
🏢 Muthoot Fincorp
📍 Chennai