Company Description JM Financial Home Loans Ltd is the housing finance arm of JM Financial Group, focused on providing home loans tailored to diverse customer needs. The company aims to help individuals and families acquire their dream homes, with a special emphasis on home buyers typically not served by traditional banks and housing finance companies. It is committed to a transparent, quick disbursement process, simplified documentation, and responsive customer service. In line with the group’s culture of innovation, JM Financial Home Loans continuously diversifies products and services and acts as a trusted advisor on property, loan, and documentation matters. The organization strives to deliver a seamless, convenient experience for every customer. Role Description The State Head – Credit will lead and oversee the credit function for the state, ensuring sound credit assessment, approval, and portfolio quality for housing loan products. This is a full-time, on-site role based in Chennai, responsible for managing credit teams, providing guidance on complex cases, and ensuring adherence to internal policies and regulatory norms. Day-to-day responsibilities include reviewing and sanctioning loan proposals within delegated authority, monitoring credit risk indicators, and implementing robust underwriting and documentation standards. The role involves collaborating closely with sales and operations to balance business growth with prudent risk management, supporting process improvements,



and contributing to product and policy refinements. The State Head – Credit will also be expected to mentor team members, ensure timely turnaround of credit decisions, and maintain strong internal and external stakeholder relationships. Qualifications
• Robust credit assessment and underwriting skills in housing finance or retail lending, including evaluation of income, collateral, and repayment capacity.
• Experience in credit risk management, portfolio monitoring, and implementation of risk controls and compliance with regulatory guidelines.
• Proven leadership and people management skills, with the ability to guide credit teams and collaborate effectively with sales and operations.
• Sound understanding of housing finance products, market dynamics, and documentation requirements relevant to home loans.
• Excellent analytical, numerical, and decision-making abilities, with attention to detail and a structured approach to problem-solving.
• Strong communication and stakeholder management skills, including the ability to present credit decisions and rationale clearly.
• Bachelor’s or Master’s degree in Finance, Business, Commerce, Economics, or a related field; professional certifications in credit or risk management are an advantage.
• Significant prior experience in a senior credit role within financial services, preferably in home loans or affordable housing segments.

📌 State head credit (Chennai)
🏢 JM Financial Home Loans
📍 Chennai