Job Description: Key Responsibilities:
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 (India)
🏢 Acura Solution
📍 India