Job Requirements
About Godrej Industries Group (GIG)
GIG is a holding company of the Godrej Industries. We have significant interests in consumer goods, real estate, agriculture, chemicals, and financial services through our subsidiary and associate companies, across 18 countries.
www.godrejindustries.com

About Godrej Capital (GCL)
Godrej Capital is trusted lending partner advocating reliable, transparent, and fair lending practices backed by the legacy and trust of the Godrej Group spanning over 129 years.
www.godrejcapital.com

Job Description:
• Lead and manage the credit function across a cluster of branches for the Affordable Housing Finance business.
• Evaluate and approve/ recommend housing loan and LAP proposals in line with the organisation’s credit policy and delegated authority.
• Ensure robust assessment of customers across income, repayment capacity, banking behaviour, bureau history, collateral, and overall creditworthiness.
• Review complex and high-value cases and provide sound, data-driven credit decisions.
• Ensure adherence to credit policies, processes,



regulatory guidelines, and risk parameters.
• Monitor portfolio quality across the cluster and identify early warning signals, deviations, and emerging credit risks.
• Work closely with Sales teams to balance business growth with portfolio quality and risk appetite.
• Conduct regular reviews of branch-level credit performance, approval rates, TAT, deviations, delinquency trends, and portfolio metrics.
• Guide and mentor the credit team, ensuring quality underwriting and consistent application of credit policies.
• Ensure effective management and closure of credit-related audit observations and process gaps.
• Collaborate with Risk, Operations, Legal, Collections, and other functions to resolve complex cases and strengthen portfolio quality.
• Analyse market, customer, and portfolio trends to identify potential risks and recommend corrective actions.
• Ensure appropriate documentation, controls, a

📌 Cluster Credit Manager (Nashik)
🏢 Godrej Group
📍 Nashik