Key Responsibilities
Manage end-to-end credit operations for Loan Against Property (LAP) files from login to disbursement.
Conduct detailed credit appraisal by evaluating customer financials, repayment capacity, banking transactions, and risk parameters.
Verify customer documents and ensure compliance with internal credit policies, regulatory guidelines, and KYC norms.
Coordinate with Sales, Credit, Legal, Technical, and Operations teams to ensure timely processing and approval of loan applications.
Monitor turnaround time (TAT) and maintain high service standards for loan processing.
Review property, legal, and technical reports to support informed credit decisions.
Ensure accurate documentation, disbursement readiness, and post-sanction compliance.
Identify and mitigate credit, operational, and fraud risks while maintaining portfolio quality.