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 (Pune)
🏢 equitas small finance bank
📍 Pune