Job Description:
Job Description: Credit Manager – Home Loans & Loan Against Property
Company: Mspire Ventures
Position: Credit Manager
Products: Home Loans & Loan Against Property (Secured Loan)
Location: Bhavnagar, Gujarat
Salary: Up to ₹7 LPA
Experience Required: Minimum 5 years in the Credit Department
Education: Graduation is a must

Key Responsibilities:

- Credit Assessment: Analyze and evaluate the creditworthiness of potential borrowers for Home Loans and Loan Against Property. Conduct detailed analysis of financial statements, credit reports, and other relevant documents.

- Loan Underwriting: Approve or reject loan applications based on credit guidelines and policies. Ensure that loans comply with company standards and regulatory requirements.

- Risk Management: Identify potential risks associated with loan applications and recommend appropriate risk mitigation strategies. Monitor loan performance to minimize default rates and ensure portfolio quality.

- Documentation and Compliance: Ensure all credit and loan documentation is complete, accurate, and complies with legal and regulatory requirements. Maintain up-to-date records of all credit applications and approvals.

- Coordination: Work closely with sales, operations, and legal teams to facilitate smooth processing of loan applications and approvals. Liaise with external agencies for verification and compliance checks.

- Customer Interaction: Engage with customers to understand their financial needs, clarify queries related to credit assessments, and provide necessary information about loan products and processes.

- Reporting: Prepare and present regular reports on credit assessments, approvals,



and portfolio performance to senior management. Analyze trends and recommend improvements to credit policies and procedures.

- Training and Development: Provide guidance and training to junior credit analysts and team members on credit assessment techniques, company policies, and industry best practices.

Key Skills Required:

- Credit Analysis: Solid analytical skills with the ability to assess the creditworthiness of borrowers effectively.

- Attention to Detail: High attention to detail to ensure accuracy in credit assessments and compliance with policies.

- Risk Management: Ability to identify and manage risks associated with loan applications.

- Decision-Making: Sound judgment and decision-making skills to approve or reject loan applications.

- Communication: Excellent communication and interpersonal skills to interact with customers, internal teams, and external agencies.

- Knowledge of Regulations: Good understanding of financial regulations and legal requirements related to secured loans.

- Team Collaboration: Ability to work collaboratively with sales, operations, and legal teams to achieve business goals.

Qualifications and Experience:

- Education: Graduation in any discipline is a must.

- Experience: Minimum of 5 years of experience in the Credit Department, preferably in the NBFC or Banking sector, with a focus on Home Loans and Loan Against Property.

Why Join Us?

- Growth Opportunities: Be a part of a growing NBFC with opportunities for career advancement.

- Dynamic Environment: Work in a dynamic and challenging environment that encourages learning and development.

- Competitive Salary: Attractive compensation package with incentives based on performance.

📌 Credit Manager – Home Loans & Loan Against Property | Ahmedabad Location (Bhavnagar)
🏢 Mspire Ventures
📍 Bhavnagar