Job Title: Credit Manager – Home LoansDepartment: Credit Risk / Retail LendingLocation: [City/Region]Reports to: Head – Credit / Regional Credit Head---Job Purpose:To assess, analyze, and approve home loan proposals as per the credit policy of the organization, ensuring minimal delinquency and compliance with regulatory guidelines.---Key Responsibilities:1. Credit Assessment:Evaluate home loan proposals based on income documents, banking, credit bureau reports, property documents, and other risk parameters.Conduct personal discussions (PD) where required and provide recommendations.2. Underwriting & Approval:Approve files within assigned credit authority limits.Recommend and escalate cases exceeding authority levels with proper justification.3. Policy Implementation:Ensure adherence to internal credit policy, regulatory norms (RBI, NHB), and KYC guidelines.Provide feedback to policy team for potential changes based on market trends.4. Risk Management:Identify fraud indicators and conduct risk-based verifications.Work with legal and technical teams for thorough due diligence on property and title checks.5. Portfolio Monitoring:Monitor the portfolio for early delinquencies and high-risk indicators.Collaborate with collections and sales teams to reduce NPAs.6. Stakeholder Management:Liaise with sales, operations, legal, and technical teams for smooth processing.Conduct training for sales and field staff on documentation and risk norms.7. System and Documentation:Maintain updated MIS and dashboards.Ensure proper documentation and data entry in LOS/LMS systems.---Qualifications & Experience:Graduate/Postgraduate in Finance, Commerce, or related fields (CA/MBA preferred)3–7 years of experience in home loan credit underwritingFamiliarity with credit bureaus, income assessment (salaried/self-employed), property documentation---Key Skills:Strong analytical and decision-making skillsSound understanding of housing finance regulationsGood communication and interpersonal skillsAttention to detail and risk orientationKnowledge of LOS/LMS platforms and MS Excel---Let me know if you wantthis tailored for a specific company (e.g., HDFC, Bajaj Finance, SBI) or level (junior/senior credit manager).
