Company Description IIFL Home Loans, a part of IIFL Home Finance, is a leading digitally-driven fintech provider focused on affordable and sustainable housing solutions across India. The organization primarily serves lower-income and economically weaker sections through home loans and secured business loans with simplified documentation and rapid approvals.

All loan processes are 100% digital and paperless, supporting the Government’s #HousingForAll mission and facilitating homeownership under the Pradhan Mantri Awas Yojana scheme. IIFL Home Loans also drives innovation through Kutumb, a platform that promotes sustainable, affordable housing and the handbook “Building Green: IIFL Home Loan’s Guide to Sustainable Affordable Housing.” The company is committed to inclusive growth, customer-centric services, and responsible financing.

Role Description This is a full time, in office Credit Manager – Home Loans role based in Lucknow.

The Credit

Manager will evaluate home loan applications, assess creditworthiness, and analyze financial documents to ensure sound lending decisions. The role includes managing credit risk, approving or recommending loan sanctions within defined authority levels,



and ensuring compliance with internal policies and regulatory guidelines.

The Credit

Manager will monitor portfolio quality, track delinquency trends, and coordinate with sales and operations teams to maintain service standards and turnaround time. The position also involves contributing to process improvements, preparing periodic credit reports, and supporting audits and risk reviews.

Qualifications
Candidates should possess strong Credit Management and Credit Risk Management skills.
Candidates should possess solid Analytical Skills and a good understanding of Finance.
Candidates should possess knowledge of Credit assessment processes and lending norms.
Relevant academic background in Finance, Accounting, Economics, or Business Administration.
Experience in home loans or retail lending, preferably in a bank or NBFC.
Ability to interpret financial statements, income documents, and collateral valuations.
Solid attention to detail, integrity, and adherence to compliance and regulatory standards.
Effective communication and stakeholder management skills, with proficiency in MS Office.

📌 Credit Manager – Home Loans Lucknow
🏢 IIFL Home Loans
📍 Lucknow