Job DescriptionAbout Retail CreditThe Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processesAbouttheRoleCPC Credit underwriting managers manages core underwriting activities at the Credit Processing Centres. Credit Processing Associates would be reporting.Key Responsibilities- Monitor Turnaround Time (TAT) from Login to Sanction for Asha Loan cases to ensure timely decisioning.- Validate data entry accuracy and ensure all borrower details, financial inputs and FI findings are correctly captured in systems.- Assess and underwrite proposals using Asha-specific evaluation techniques including informal income assessment, surrogate programs and field validation reports.- Take credit decisions in line with policy guidelines, risk frameworks and deviation approval mechanisms.- Ensure adherence to audit, compliance and policy requirements, avoiding repeat audit observations.- Coordinate with FI agencies,



technical vendors and internal teams to obtain necessary inputs for effective underwriting.- Provide continuous feedback on process gaps, policy changes and underwriting challenges specific to Asha segment.- Participate in training initiatives, process improvements and pilot programs for enhancing underwriting efficiency.- Manage stakeholder interactions with Business, Operations and Vendors for seamless case processing.- Contribute ideas for process enhancements, automation opportunities and cost efficiencies.Qualifications- Graduate / Post- Graduation (MBA/ CA preferred)- Experience in retail credit with team handling.Role Proficiencies:For successful execution of the job, the candidate should possess:- Knowledge of credit, industry and product trends- Knowledge of regulatory guidelines and norms- Positive communication (both verbal and written) skill in both English and the local language

📌 Rc:Decentralized Uw - Mortgages Credit- Credit Manager-Asha (Rajkot)
🏢 Axis Bank
📍 Rajkot