We are looking for immediate joiners. Below are the job details and

job description
Details-

Location:
Pune Work from office only 1 way cab facility Role Purpose The Credit Manager is responsible for the assessment, underwriting, approval, and management of complex Residential Owner Occupied, Commercial, Portfolio Landlord, Corporate Landlord, Trust, Company, and Specialist Mortgage applications. The role is accountable for balancing prudent risk management with commercial outcomes.

Key Responsibilities
1. Credit Assessment & Underwriting
- Conduct comprehensive assessments of mortgage applications in accordance with lending policies, credit risk frameworks, and delegated lending authorities.
- Review all supporting documentation and determine overall lending suitability.
- Exercise sound judgment when making approval, decline, or referral decisions.
- Assess aggregated lending exposures exceeding standard authority levels and escalate where required. 2. Income & Affordability Assessment
- Analyze customer income sources and sustainability.
- Assess debt servicing capability using verified income and expenditure information.
- Review existing liabilities, credit facilities, and financial commitments. 3. Customer Credit Assessment
- Analyze consumer and commercial credit reports.
- Review repayment history and overall customer conduct.
- Assess transaction account behavior and debt management practices. 4.



Capital & Financial Strength Assessment
- Review customer wealth position and balance sheet strength.
- Evaluate leverage and debt concentration.
- Determine resilience to potential changes in economic circumstances. 5. Security & Collateral Assessment
- Review property valuation reports and support security documentation.
- Evaluate Loan-to-Value Ratios (LVRs) and overall security coverage.
- Identify collateral-related risks and recommend appropriate mitigants. 6. Specialist Lending & Portfolio Assessment
- Assess high-value and specialist mortgage transactions.
- Review complex portfolio structures involving multiple properties and legal entities.
- Assess lending facilities up to and beyond standard mandate limits. 7. Regulatory Compliance & Risk Management
- Ensure compliance with all applicable credit policies and regulatory requirements.
- Apply responsible lending principles and affordability standards.
- Support implementation of regulatory frameworks including: Essential
- Minimum 8+ years' experience in Mortgage Credit, Underwriting, or Credit Risk Management.
- Proven ability to coach and mentor team members.
- Identify opportunities for process improvement and operational efficiencies.
- Support automation and transformation initiatives. If interested, please share the updated resume on the below email, [email protected]

📌 We are hiring For Credit Risk- UK mortgage operations- Pune
🏢 Wipro
📍 Pune