Role & responsibilities

1.

Credit

Appraisal & Underwriting

Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.

Conduct detailed financial analysis of:

ITRs, GST returns, bank statements

Balance sheets & P&L; statements

Cash flow assessment & surrogate income programs

Evaluate business stability, repayment capacity, and industry risk.

Recommend deviations with proper justification as per policy matrix.

Maintain TAT as defined by credit policy.

- Risk Assessment & Due Diligence

Conduct personal discussion (PD) with applicants.

Assess collateral security & property valuation reports.

Coordinate with Legal, Technical for report validation.

Identify early warning signals and mitigate credit risk.

3.

Portfolio

Monitoring

Track disbursed cases and monitor early delinquency trends.

Support collections team for high-risk accounts.





Ensure portfolio quality within defined bucket norms.

- Policy & Compliance

Ensure adherence to internal credit policies and regulatory guidelines

Maintain proper documentation and audit trail.

Support internal and external audits.

5.

Business

Support

Coordinate with Sales/Branch team for structured proposals.

Provide guidance to sourcing team on policy and documentation.

Participate in training for updated credit norms. Preferred candidate profile

Strong knowledge of MSME financial analysis

Understanding of banking products & collateral-based lending

Valuable understanding of property-backed loans

4+ Years of experience in Credit

📌 Credit Manager - MSME (Mumbai)
🏢 easy home finance
📍 Mumbai