The Credit Manager is responsible for evaluating and approving Home Loan and LAP applications by analyzing customer income, financial documents, repayment capacity, property valuation, and risk factors. The role ensures quality underwriting while maintaining portfolio health and policy compliance.

Key Responsibilities

Assess Home Loan and LAP applications as per company credit policy

Analyze customer income documents, bank statements, CIBIL reports, GST/ITR, and financials

Evaluate repayment capacity and calculate eligibility

Conduct personal discussions with customers when required

Coordinate with sales, legal, technical, and operations teams

Verify property and collateral-related documents

Recommend approval/rejection with proper justification

Maintain TAT (Turn Around Time) for loan processing

Monitor portfolio quality and minimize delinquency risk





Ensure compliance with RBI and internal policies

Required Skills

Credit underwriting

Financial analysis

Income assessment

Risk evaluation

Knowledge of Home Loan & LAP products

Understanding of CIBIL and banking norms

Communication and decision-making skills

Eligibility

Graduate / MBA preferred

Experience: 2–6 years in Home Loan, LAP, Mortgage, or Secured Lending

Experience in banks, NBFCs, or housing finance companies preferred

Preferred Knowledge

Salaried and self-employed income assessment

CAM preparation

Banking and mortgage policies

Property valuation and legal process

Pay: ₹15,000.00 - ₹30,000.00 per month

Work Location: In person

📌 Credit Manager (India)
🏢 Innovista Financial Services
📍 India