Work Mode: 5 Days Work from Office
Locations: PAN India

Job Summary:

We are looking for a Credit Underwriter/Credit Manager with experience in the financial services or mortgage industry. The ideal candidate will be responsible for credit appraisal, underwriting, portfolio quality, fraud risk assessment, policy implementation, and stakeholder management while ensuring adherence to the organization's credit policies and risk framework.

Key Responsibilities :

Credit Appraisal & Underwriting

- Conduct detailed credit appraisal and underwriting of loan proposals.
- Ensure adherence to credit policies, underwriting guidelines, and regulatory requirements.
- Maintain high-quality credit decisions within defined Turnaround Time (TAT).
- Evaluate borrowers' financial profiles, repayment capacity, and risk parameters.
- Meet loan applicants for personal discussions based on the risk profile of cases.

Credit Quality & Risk Management

- Maintain the desired credit quality and portfolio health.
- Monitor delinquency ratios and recommend corrective actions.
- Perform preliminary screening of borrower profiles to ensure quality inputs into the credit system.
- Conduct first-level verification of documents to identify fraud, data discrepancies, and incomplete information.
- Analyze local market trends and identify fraudulent profiles, negative areas, and suspicious lending patterns.




- Ensure implementation of risk management tools and credit control measures.

Process & Policy Implementation

- Ensure compliance with internal credit policies and operational processes.
- Drive process improvements to enhance customer experience while maintaining the organization's risk appetite.
- Recommend enhancements to credit policies based on portfolio performance and risk analysis.
- Contribute to workflow optimization and operational efficiency.

Training & Stakeholder Management

- Conduct structured training programs for internal teams, channel partners, and business associates.
- Provide guidance on credit policies, underwriting standards, and process updates.
- Collaborate with business teams to ensure timely processing and quality decision-making.
- Build solid relationships with cross-functional teams to support business objectives.

Vendor & Relationship Management

- Coordinate with external vendors for smooth operational execution.
- Maintain effective relationships with internal stakeholders and business partners.
- Ensure excellence in customer service and inter-departmental coordination.

Desired Candidate Profile :

Education

- Graduate in any discipline (Mandatory).
- MBA (Finance) or Chartered Accountant (CA) preferred.

Experience

- 2 - 5 years of experience in Credit Underwriting, Credit Risk, Mortgage, Housing Finance, NBFC, or Banking.

📌 Credit Manager - Education Loan - PAN INDIA (Chandigarh)
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📍 Chandigarh