Roles & Responsibilities – Territory Credit Manager (LAP) | NBFC
- Evaluate and underwrite Loan Against Property (LAP) proposals as per company credit policy.
- Conduct Physical Personal Discussions (PD) and customer visits to assess business profile, income, and repayment capacity.
- Analyze financial statements, bank statements, ITRs, GST returns, and credit bureau reports.
- Review legal, technical, and property valuation reports before recommending loan approval.
- Identify and mitigate credit risks while maintaining portfolio quality.
- Coordinate with Sales, Operations, Legal, Technical, and Risk teams for smooth loan processing and disbursement.
- Ensure compliance with internal credit policies, RBI guidelines, and regulatory requirements.
- Maintain defined Turnaround Time (TAT) for credit decisions and loan approvals.
- Monitor portfolio performance and support collections in resolving credit-related issues.
- Assist in credit audits, policy implementation, and continuous process improvements.
- Provide guidance and support to branch credit teams within the assigned territory.
- Prepare and present credit recommendations to the approving authority while ensuring quality underwriting standards.

📌 Territory Credit Manager (Mumbai)
🏢 Rayana Events
📍 Mumbai