Verified Job
Work from home
Regional Credit Manager
Work from home
#811452
Remote / WFH
Home Credit
Job Description
Credit Appraisal:
Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
Policy & Compliance:
Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
Income & Risk Assessment:
Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
Portfolio Monitoring:
Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
Process Efficiency:
Collaborate with Operations and Sales to improve TAT and underwriting quality.
Business Coordination:
Work closely with Business Head, Sales, and Product teams to align growth with risk controls.
Fraud & Risk Mitigation:
Ensure field verifications, de-dupe checks, and property/legal due diligence.
MIS & Analytics:
Support credit governance with relevant MIS, dashboards, and portfolio insights.
Training & Policy Communication:
Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.
1. Experience: 58 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).
2. Qualification: Graduate / MBA / CA preferred.
3. Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.
4. Behavioral Skills: Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs
Industry type
NBFC
Department
BFSI, Investments & Trading
Role
BFSI, Investments & Trading - Other
Role category
BFSI, Investments & Trading - Other
Employment type
Full Time, Permanent
Education
Any Graduate
Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
Policy & Compliance:
Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
Income & Risk Assessment:
Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
Portfolio Monitoring:
Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
Process Efficiency:
Collaborate with Operations and Sales to improve TAT and underwriting quality.
Business Coordination:
Work closely with Business Head, Sales, and Product teams to align growth with risk controls.
Fraud & Risk Mitigation:
Ensure field verifications, de-dupe checks, and property/legal due diligence.
MIS & Analytics:
Support credit governance with relevant MIS, dashboards, and portfolio insights.
Training & Policy Communication:
Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.
1. Experience: 58 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).
2. Qualification: Graduate / MBA / CA preferred.
3. Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.
4. Behavioral Skills: Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs
Industry type
NBFC
Department
BFSI, Investments & Trading
Role
BFSI, Investments & Trading - Other
Role category
BFSI, Investments & Trading - Other
Employment type
Full Time, Permanent
Education
Any Graduate
