Conduct detailed assessment of home loan, LAP, and affordable housing loan proposals.
Analyze customer income, banking, repayment capacity, bureau reports, and financial documents.
Perform personal discussions (PD), field investigations, and reference checks wherever required.
Evaluate legal, technical, and valuation reports for property-backed loans.
Ensure adherence to internal credit policies and regulatory guidelines.

Risk Management
Maintain healthy portfolio quality and control delinquency levels.
Identify early warning signals and highlight risky proposals.
Recommend mitigants and structured solutions for borderline cases.
Monitor fraud indicators and ensure process compliance.

Operational & Process Compliance




Ensure proper documentation and compliance before loan sanction/disbursement.
Coordinate with sales, operations, legal, technical, and collections teams for smooth processing.
Maintain TAT for login-to-sanction process.
Ensure audit readiness and closure of audit observations within timelines.

Stakeholder Management
Work closely with Branch Sales teams to achieve business targets without compromising asset quality.
Guide and support relationship managers/business teams on credit policy and customer profiling.
Build solid relationships with legal, technical, and valuation partners.

📌 Credit Manager Noida
🏢 SURYODAY SMALL FINANCE BANK
📍 Noida