Key Responsibilities:

· Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.

· Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.

· Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.

· Ensure accurate documentation and track post‑disbursement document (PDD) closure where applicable.

· Coordinate with sales/operations for clarifications, rework, and smooth disbursement.

· Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.

· Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations & PDs of specific cases.

Skills Required:

· Robust analytical and decision-making skills.

· Knowledge of retail lending credit policies and scorecards.

· Proficiency in digital KYC, fraud control, and MIS tools.

· Attention to detail and compliance orientation.

Educational Qualifications and Experience:

· Graduate / Post-Graduate in Finance, Commerce, or related field.

· 1–3 years in credit appraisal/underwriting; experience in digital/fintech lending preferred.

📌 Branch Credit Manager (Hyderabad)
🏢 IIFL Home Loans
📍 Hyderabad