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:

Solid analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs

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