Leads credit professionals responsible for underwriting working capital finance, home loans, and loan-against-property proposals. Evaluates financial and property-related risks, structures deals, makes timely credit decisions, monitors portfolio quality, and supports business targets. Manages customer discussions and visits, coordinates with sales, operations, legal, technical, and service teams, implements credit policies, and mentors CPAs and credit managers while monitoring productivity and underwriting quality.
We are seeking a qualified and experienced Credit Manager to lead a team of credit professionals in underwriting and managing proposals for Working Capital Finance, including both fund and non-fund based products. The role involves evaluating customer proposals, structuring deals, and ensuring high-quality credit decisions within defined turnaround times. The ideal candidate will have strong analytical skills, a deep understanding of financials and property-related aspects, and the ability to maintain portfolio quality. The role also includes mentoring team members, coordinating with cross-functional departments, and implementing policies effectively at the ground level.
ResponsibilitiesManage a team of Credit Managers and oversee underwriting activities.
Underwrite and prepare proposals for Working Capital Finance (fund and non-fund based).
Ensure high-quality underwriting and support branch business targets through training.
Conduct customer visits for personal discussions and deal structuring.
Monitor portfolio quality through regular review of monitoring reports.
Evaluate proposals for Home Loans and Loan Against Property.
Make credit decisions within defined turnaround times (TAT).
Understand property-related aspects such as legal title and market value.
Coordinate with sales, operations, legal, technical, and customer service teams.
Implement head office and local credit policies at the ground level.
Mentor CPAs and monitor their productivity and output quality.
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Leads credit professionals underwriting working capital finance, home loan, and loan-against-property proposals. Evaluates customer financials and property details, structures deals, makes timely credit decisions, and monitors portfolio quality. The role includes customer visits, policy implementation, cross-functional coordination, team training, mentoring CPAs, and oversight of underwriting productivity and quality.
Insurance • Payments • Financial Services
Lead credit underwriting for working capital finance, home loans, and loans against property. Manage credit professionals, evaluate and structure proposals, make timely credit decisions, monitor portfolio quality, assess financial and property details, coordinate with cross-functional teams, implement credit policies, conduct customer visits, and mentor CPAs while supporting branch business targets.
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