Credit Manager-Mass Market

Credit Manager-Mass MarketDesignationCredit ManagerGradeSenior ExecutiveReporting toArea Credit ManagerLocationMumbai & PuneFunctionRisk (Underwriting)Job PurposeThe role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loansRole• Credit assessment and underwriting of mortgage loan applications based on product and policy norms – end to end from login to disbursal of loans• Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials • Disbursal of Mortgage Loans including all checks and verifications • Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices • In-person meetings and discussions with clients• Responsible for maintaining the processing TAT • Participate in and clear regular internal and external audits • Vendor management, including quality monitoring Qualification & experience Qualification & experienceYears of experience – 3 to 5 years preferredMandatory Qualification – MBA in Finance/CAWorking knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as roleGood to have - Basic financial knowledge of P&L / Balance Sheet and financial ratiosEssential skills Ability to work in unstructured and evolving situations with an open mindAdhere to expected TAT without compromising on qualityWork collaboratively with Sales and Operations team in the location to achieve strategic business goalsAbility to understand customer needs and be responsive Technology skills – understanding of and working with existing market technologies in the mortgage industry