We are looking for a Credit Manager specializing in Personal Loan Underwriting to assess loan applications, evaluate creditworthiness, and make informed credit decisions in line with the organization’s credit policies and risk parameters.
Underwrite personal loan applications as per defined credit policies and underwriting guidelines.
Assess customer eligibility based on income, employment stability, banking statements, credit bureau reports, and repayment capacity.
Analyze customer profiles, existing obligations, FOIR, credit history, and repayment behavior.
Identify potential fraud, policy deviations, and high-risk applications.
Approve, reject, or recommend loan applications within the delegated credit authority.
Ensure adherence to internal credit policies, risk guidelines, and regulatory requirements.
Review exceptions and deviations and escalate cases wherever required.
Maintain turnaround time (TAT) while ensuring the quality of underwriting decisions.
Coordinate with sales, operations, and risk teams for clarification and resolution of credit queries.
Monitor underwriting quality and contribute to minimizing early delinquency and credit losses.