Job Summary:

The Area Credit Manager - LAP (Raipur) will be responsible for managing the
credit underwriting and risk assessment for Loan Against Property (LAP) products
within the Raipur region. This role involves ensuring adherence to credit
policies, maintaining portfolio quality, and leading a team of credit officers.

Job Responsibilities:

* Lead and manage the credit underwriting process for LAP applications, ensuring
timely and accurate assessment of creditworthiness.
* Conduct thorough financial analysis, property valuation, and risk assessment
for all LAP proposals.
* Ensure strict adherence to the company's credit policies, procedures, and
regulatory guidelines.
* Monitor and manage the LAP portfolio quality, identifying potential risks and
implementing corrective actions.
* Approve or recommend LAP proposals within delegated authority limits.
* Collaborate with sales and operations teams to streamline the loan processing
workflow and achieve business targets.
* Conduct regular training and development for credit officers to enhance their
skills and knowledge.




* Prepare and present credit reports, MIS, and portfolio performance reviews to
senior management.
* Liaise with legal and technical teams for property due diligence and
documentation.
* Stay updated with market trends, competitor activities, and regulatory changes
in the LAP segment.

Job Qualifications:

* Bachelor's degree in Finance, Accounting, Business Administration, or a
related field. MBA or equivalent qualified qualification is preferred.
* Minimum of 7-10 years of experience in credit underwriting and risk
management, specifically in Loan Against Property (LAP) or mortgage finance.
* Proven experience in leading and managing a team of credit professionals.
* In-depth knowledge of financial analysis, property valuation techniques, and
legal aspects related to property collateral.
* Strong understanding of credit policies, procedures, and regulatory frameworks
governing LAP.
* Excellent

📌 Area Credit Manager (Raipur)
🏢 Credit Saison India
📍 Raipur