Credit Manager

Credit Assessment & Underwriting

- Analyze home loan applications and assess borrower eligibility.

- Evaluate customer repayment capacity, income stability, and creditworthiness.

- Review financial documents, bank statements, income proofs, and credit bureau reports (CIBIL, Experian, etc.).

- Conduct detailed cash flow and income assessment, especially for self-employed and informal-income customers.

Risk Evaluation

- Identify and mitigate credit risks associated with loan proposals.

- Ensure compliance with internal credit policies and regulatory requirements.

- Assess collateral value and verify property-related documents.

- Recommend approval, rejection, or modification of loan proposals based on risk assessment.

Field Investigation & Verification

- Review reports from field investigations, residence verification, and employment/business verification.

- Validate customer profiles and detect potential fraud risks.

- Coordinate with legal and technical agencies for property and valuation checks.

Portfolio Quality Management

- Monitor loan portfolio performance and delinquency trends.

- Ensure early identification of high-risk cases.

- Support collections and recovery teams in resolving problem accounts.





Stakeholder Coordination

- Work closely with Sales, Operations, Legal, Technical, and Collection teams.

- Provide guidance to sales teams regarding credit policy requirements.

- Ensure timely turnaround time (TAT) for loan decisions.

Compliance & Audit

- Maintain compliance with RBI regulations and company credit policies.

- Support internal and external audits.

- Ensure proper documentation and record maintenance.

Key Skills Required

- Credit appraisal and underwriting

- Financial statement analysis

- Income assessment (salaried and self-employed customers)

- Property and mortgage lending knowledge

- Risk management and fraud detection

- Analytical and decision-making skills

- Knowledge of CIBIL and bureau analysis

- Communication and stakeholder management

Educational Qualification

- Graduate in Commerce, Finance, Business Administration, Economics, or related field.

- MBA (Finance) / CA Inter / ICWA is preferred.

Experience

- Typically 3-8 years of experience in Housing Finance Companies (HFCs), Banks, or NBFCs.

- Experience in Home Loans, Affordable Housing Finance, LAP, or Mortgage lending preferred.

📌 Credit Manager - Home Loan Assessment and Risk Management (Pune)
🏢 equitas small finance bank
📍 Pune