Credit Assessment & Underwriting
• Review and assess unsecured loan applications received from branch and sales channels.
• Analyze applicant profiles, income documents, banking behavior, and credit bureau reports.
• Evaluate repayment capacity and identify potential credit risks.
• Take credit decisions within delegated authority limits or recommend cases for higher approval.
• Ensure compliance with internal credit policies and regulatory guidelines.
Customer Verification & Due Diligence
• Conduct telephonic and field verification where required.
• Validate KYC documents, employment details, residential stability, and income sources.
• Identify potential fraud indicators and suspicious applications.
• Maintain thorough documentation of credit evaluations.
Portfolio Quality Management
• Monitor early delinquency trends and high-risk customer segments.
• Coordinate with collections teams for feedback on default patterns.
• Recommend corrective actions to improve portfolio performance.
• Ensure minimal slippages and maintain healthy asset quality.
Risk & Compliance
• Adhere to credit policy, risk framework, and audit requirements.
• Ensure regulatory compliance and adherence to fair lending practices.
• Detect and escalate fraud, policy deviations, and operational risks.
• Support internal and external audits by maintaining complete credit records.
Stakeholder Management
• Work closely with sales teams to ensure timely loan processing.
• Provide credit-related guidance to branch and sourcing teams.
• Coordinate with operations, underwriting, and collections functions for smooth loan disbursement and portfolio management.
MIS & Reporting
• Maintain accurate credit processing records.
• Prepare daily, weekly, and monthly MIS reports.
• Track approval ratios, turnaround time (TAT), and portfolio performance indicators.