Role & responsibilities

1. Assess home loan applications received through digital platforms.
2. Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity.
3. Evaluate salaried and self-employed customer profiles.
-Conduct credit underwriting as per company policy and risk parameters.
4. Verify KYC, property documents, employment, and income details.
5. Coordinate with sales, operations, legal, technical, and risk teams for loan processing.
6. Identify fraud risks and policy deviations.
7. Recommend approvals, rejections, or deviations within delegated authority limits.
8. Monitor portfolio quality, delinquency trends, and early warning signals.
9. Ensure compliance with regulatory and internal audit requirements.
10. Maintain turnaround time (TAT) and productivity targets.
11. Support automation and digital credit initiatives for improved customer experience.

Preferred candidate profile

- Minimum Graduation
- 24 years of experience in Home Finance, HFCs, NBFCs, or Retail Banking.

📌 Digital Credit Manager (Thane)
🏢 IIFL Finance
📍 Thane