• Keen understanding and focus on risk, controls, compliance and regulatory framework
• Strong analytical & communication skills (written & verbal)
• Good client servicing skills
• Positive financial analytical skills, communication skills
• 4 to 8 years of relevant experience.
• Evaluation of proposals put up for recommendations / approval as per credit policy
• Regular functional training for business team & credit team across retail & LAP products
• Responsible for peer-review process in underwriting & field visit review process in sampling to ensure that the credit mechanism is robust and scalable
• Responsible for publishing Branch credit quality scores and red- reports to the senior management team based on the inputs from underwriting & credit intelligence team.
• Responsible to monitor construction completion for fully disbursed cases in retail loan to comply with regulatory norms.
• Analysis of regular bouncing customers to identify the lead indicators of portfolio stress and provide suitable inputs to the senior management team to fine tune the credit policy
• Follow-up on bounce collection through branch and business team to ensure zero delinquency.

📌 Credit Manager:Underwriting Secured Loans_AFL (Ahmedabad)
🏢 Axis Finance
📍 Ahmedabad