Objective

To evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the LAP segment . Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role.

Key Responsibilties

- Credit Appraisal:
- Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
- Policy & Compliance:
- Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
- Income & Risk Assessment:
- Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
- Portfolio Monitoring:
- Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
- Process Efficiency:
- Collaborate with Operations and Sales to improve TAT and underwriting quality.
- Business Coordination:
- Work closely with Business Head, Sales,



and Product teams to align growth with risk controls.
- Fraud & Risk Mitigation:
- Ensure field verifications, de-dupe checks, and property/legal due diligence.
- MIS & Analytics:
- Support credit governance with relevant MIS, dashboards, and portfolio insights.
- Training & Policy Communication:
- Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.

Required Skills

- Experience: 5–8 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).
- Qualification: Graduate / MBA / CA preferred.
- Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.
- Behavioral Skills: Robust analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs

📌 Regional Credit Manager (India)
🏢 Home Credit India
📍 India