Job Description

We are looking for a detail-oriented and analytical Credit Manager – HL & LAP to join our team in the Non-Banking Financial Company (NBFC) and BFSI industry. The ideal candidate will be responsible for evaluating and assessing Home Loan (HL) and Loan Against Property (LAP) applications, ensuring compliance with credit policies, and managing risk while maintaining strong portfolio quality. This role requires conducting financial analysis, assessing borrower profiles, and making sound credit decisions to support business growth while mitigating risks.

Additionally, the Credit Manager will work closely with sales teams, channel partners, and internal stakeholders to ensure a smooth and efficient loan approval process. They will be responsible for reviewing customer documentation, conducting due diligence, and ensuring adherence to regulatory guidelines and internal policies. The role also involves monitoring portfolio performance, identifying early warning signals, and implementing proactive measures to minimize NPAs. Strong analytical skills, credit underwriting expertise, and the ability to interpret financial statements are essential for this role.

The ideal candidate should have a proven track record in credit underwriting for HL & LAP within the NBFC and BFSI sectors, expertise in risk assessment, policy adherence, and credit operations, along with experience in team management. If you have a keen eye for detail, a strong understanding of credit risk, and the ability to make data-driven decisions, we would love to hear from you!