Address- Credit Underwriting: Oversee the credit underwriting process for home loan applications in the region, ensuring adherence to the company's credit policies, guidelines, and regulatory requirements.
- Risk Assessment: Assess the creditworthiness of borrowers by analysing financial statements, credit reports, and other relevant data to determine the applicant's ability to repay the loan.
- Portfolio Quality: Monitor and maintain the quality of the loan portfolio in the region, identifying potential credit risks and implementing risk mitigation strategies.
- Policy Development: Participate in the development and improvement of credit policies, processes, and procedures to enhance overall efficiency and risk management.
- Team Management: Lead and manage a team of credit analysts, providing guidance, training, and performance feedback to ensure a high-performing and motivated team.
- Decision Making: Make informed and timely credit decisions on loan applications, balancing risk factors with business objectives to drive loan approvals and growth.
- Collaboration: Collaborate with various departments, including sales, collections, and operations, to streamline processes and resolve issues related to credit assessment and decision-making.
- Compliance: Ensure compliance with all relevant regulations and internal policies related to credit underwriting and loan approvals.
- Reporting and Analytics: Prepare and present regular reports to senior management, providing insights into the credit performance of the region and suggesting areas for improvement.
- Customer Focus: Maintain a customer-centric approach, ensuring borrowers receive timely and accurate responses while maintaining high service standards.
- Training and Development: Organize training programs for branch teams and sales managers to enhance their understanding of credit policies and processes.
Note: Candidates must have strong Credit understanding of Affordable Housing Finance Market for Mumbai to Apply.
RCM- Mumbai would be based out of either Thane or Virar.
