About the role: CPC Credit underwriting managers manages core underwriting activities at the Credit Processing Centres. Credit Processing Associates would be reporting.

Role & 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.

Preferred candidate profile:

For successful execution of the job, the candidate should possess:

- Knowledge of credit, industry and product trends
- Knowledge of regulatory guidelines and norms
- Valuable communication (both verbal and written) skill in both English and the local language

📌 Mortgages Credit Manager - Mumbai (Mumbai Suburban)
🏢 Axis Bank
📍 Mumbai Suburban