Job Description Role & responsibilities
/n 1. Credit Appraisal & Underwriting
/n /n Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.
/n Conduct detailed financial analysis of:
/n ITRs, GST returns, bank statements
/n Balance sheets & P&L; statements
/n Cash flow assessment & surrogate income programs
/n Evaluate business stability, repayment capacity, and industry risk.
/n Recommend deviations with proper justification as per policy matrix.
/n Maintain TAT as defined by credit policy.
/n /n 2. Risk Assessment & Due Diligence
/n /n Conduct personal discussion (PD) with applicants.
/n Assess collateral security & property valuation reports.
/n Coordinate with Legal, Technical for report validation.
/n Identify early warning signals and mitigate credit risk.
/n /n 3. Portfolio Monitoring
/n /n Track disbursed cases and monitor early delinquency trends.




/n Support collections team for high-risk accounts.
/n Ensure portfolio quality within defined bucket norms.
/n /n 4. Policy & Compliance
/n /n Ensure adherence to internal credit policies and regulatory guidelines
/n Maintain proper documentation and audit trail.
/n Support internal and external audits.
/n /n 5. Business Support
/n /n Coordinate with Sales/Branch team for structured proposals.
/n Provide guidance to sourcing team on policy and documentation.
/n Participate in training for updated credit norms.
/n /n Preferred candidate profile
/n /n Solid knowledge of MSME financial analysis
/n Understanding of banking products & collateral-based lending
/n Good understanding of property-backed loans
/n 4+ Years of experience in Credit
/n

📌 Credit Manager (Mumbai)
🏢 easy home finance
📍 Mumbai