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 - Solid knowledge of MSME financial analysis
Understanding of banking products & collateral-based lending
Positive understanding of property-backed loans
4+ Years of experience in Credit

📌 Credit Manager Msme Mumbai
🏢 easy home finance
📍 Mumbai