Credit Manager LAP (Affordable)

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