Objective To evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the LAP segment .
Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role. Key Responsibilties
• Credit Appraisal:
• Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
• Policy & Compliance:
• Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
• Income & Risk Assessment:
• Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
• Portfolio Monitoring:
• Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
• Process Efficiency:
• Collaborate with Operations and Sales to improve TAT and underwriting quality.
• Business Coordination:
• Work closely with Business Head, Sales,



and Product teams to align growth with risk controls.
• Fraud & Risk Mitigation:
• Ensure field verifications, de-dupe checks, and property/legal due diligence.
• MIS & Analytics:
• Support credit governance with relevant MIS, dashboards, and portfolio insights.
• Training & Policy Communication:
• Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards. Required Skills
•

Experience:
5–8 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).
• Qualification: Graduate / MBA / CA preferred.
• Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.
• Behavioral

Skills:
Solid analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs

📌 RCM -Prime LAP (Mumbai)
🏢 Home Credit India
📍 Mumbai