Job Summary

Job Title: Manager Credit

Company: Credila Financial Services Ltd

Location: Mumbai

Department: Credit

Travel: Occasionally

Responsibilities

- Maintaining Credit Quality as desired by the Senior Management
- Credit Appraisal Underwriting - Maintaining quality of appraisal and TAT for decisioning of the case
- Meeting the loan borrowers and the applicants for personal interaction based on the risk profile of cases.
- Basic knowledge of banking
- Training - provide training to internal team members and intra departments/ channel partners
- Preliminary screening of borrower's profiles for maintaining the input quality of credit system.
- Process and Policy Understanding and Implementation
- First level document check for fraud prevention, data correction and information completeness.
- Managing Delinquency ratios
- Vendor Management
- Knowledge of Mortgage Industry and awareness of related risk
- Contribute to development of new techniques improvement of process and workflows by applying in-depth knowledge
- Develop recommendations to adjust credit policies by analysing credit and financial performance
- Implementation of risk management tools, Initiate processes Improvement and Impart training:
- Adherence to credit decisioning parameters as per Credit Policy on loan proposals




- Initiate and Implement process improvements for better customer experience thereby maintaining the organizations risk appetite.
- Structured training to be imparted for both internal teams as well as business associates on a regular basis.
- Work along with business teams to ensure timely delivery and controlled quality
- Fraud Risk: Risk analysis
- Analysing the local market and keep updating the central team on fraudulent colleges, negative areas and profiles
- Relationship Management, Customer Service and Team management: Excellence in service delivery on business processes, Inter departmental relationship management skills, Customer oriented process improvement.
- Keen team player, Self-motivating personality, good people management skills and an excellent motivator
- Communication Techniques

Qualifications

- Graduate in any field; MBA in Finance or Professional Degree of Chartered Accountant (CA) is preferrable

Experience & Skills

- 3-5 years of related work experience in the financial service sector
- Valuable Communication and report writing skills
- Good Knowledge of Computer applications
- Team Worker, Analytical skills, Self Motivated
- Result oriented

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Credit Manager - Mumbai
🏢 HDFC Credila
📍 Mumbai