Job Purpose
To lead and manage the mortgage underwriting team, ensuring the prudent evaluation and approval of credit applications, effective risk management, and compliance with internal policies and regulatory guidelines. The role is critical in maintaining the quality of the bank's mortgage exposure in India and driving business growth with a focus on a nil delinquent book.
Key Accountabilities and Requirements
1. Credit Application Evaluation & Approval: Recommend and/or approve credit applications in line with agreed process workflows and policies, ensuring all significant risks are highlighted and considered.
2. Delinquency Management: Proactively track delinquency levels and ensure timely follow-up with Collections and Business teams to regularize overdues.
3. Market & Product Expertise: Possess and apply sound knowledge of the Indian Western market, specifically Mortgages (Home Loan and Loan Against Property), including associated risks. Expertise in other location markets is an added advantage.
4. Regulatory Compliance:



Apply in-depth knowledge of RBI Regulations/MAS Guidelines governing credit dispensation, including Loan Grading, Provisioning, and Asset Classification regulations.
5. Legal Framework Understanding: Maintain a working knowledge of the general legal framework in which the bank operates in India and apply the same to underwriting processes.
Job Duties and Responsibilities
0. Team Management & Development: Manage and monitor the regional underwriting team, providing support and guidance to meet business targets and adhere to policies and processes.
1. Policy & Process Framework: Frame lending policy frameworks, processes, and workflows, and assist in setting up and maintaining error-free processes across all locations.
2. Judicious Credit Approval: Approve credit applications as per the Delegation of Authority (DOA) judiciously, ensuring a balanced approach to risk and business objectives.
3. Portfolio Quality Assurance: Ensure that the qualit

📌 Analyst - Credit Risk Manager - Risk Management Group (Bengaluru)
🏢 DBS Bank India
📍 Bengaluru