Role Purpose:
Responsible for underwriting and evaluating Loan Against Property (LAP) applications in the affordable segment, ensuring sound credit decisions while maintaining portfolio quality and policy compliance.
Key Responsibilities:
Assess customer income, repayment capacity, bureau reports, and property documents.
Conduct credit appraisal and risk evaluation for LAP proposals.
Ensure compliance with credit policies, legal, and technical guidelines.
Deliver credit decisions within agreed TATs.
Work closely with Sales, Legal, Technical, Operations, and Collections teams.
Monitor portfolio quality and recommend risk mitigation measures.
Eligibility:
Graduate/Postgraduate in Finance, Commerce, or related field.
48 years of experience in LAP, Affordable Housing, MSME, or retail credit underwriting.
Robust understanding of cash-flow assessment, property-backed lending, and credit risk.
Key Skills:
Credit Underwriting
Risk Assessment
Financial Analysis
LAP & Affordable Lending
Stakeholder Management
Decision Making & Analytical Skills
Location: Delhi
Experience: 4–8 Years
📌 Credit Manager Lap New Delhi
🏢 Clix Capital Services
📍 New Delhi
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