| Job Title | Credit Manager |
| Job ID | 46340 |
| Location | Ahmedabad (C G Road Branch), India |
| Work Mode | Work From Office |
| Job Type | Permanent, Full-Time |
| Role Summary | Responsible for managing regional mortgage portfolio (Home Loans & Loan Against Property), ensuring credit quality, underwriting, risk management, and portfolio performance |
| Products Handled | Home Loans (HL), Loan Against Property (LAP) |
| Experience Required | 2 – 5 years (Credit Risk / Underwriting) |
| Education | Chartered Accountant (CA) preferred |
| Key Responsibilities (Strategic) | • Build high-quality portfolio & manage delinquency • Achieve regional KPIs & performance goals • Control operational & credit costs (CPV, CPA, valuation etc.) • Underwrite cases as per risk policy • Ensure quick TAT & customer satisfaction |
| Core Responsibilities | • Credit underwriting within policy framework • Process loan applications within defined TAT • Improve efficiency (reduce rework, increase FTR) • Drive process improvements & digital initiatives |
| Portfolio Management | • Monitor delinquency & analyze risky cases • Identify early warning signals • Customer profiling using data • Execute corrective action plans • Track deviations vs delinquency |
| Stakeholder Interaction (Internal) | • Business teams (documents, approvals, training) • Policy teams (clarifications, feedback, fraud alerts) |
| Stakeholder Interaction (External) | • Customers (profile evaluation, financial assessment) • Vendors (CPV, PD, CPA agencies) |
| People Management | • Coordinate with Sales, Ops, Collections • Vendor management • Training & performance review of teams |
| Risk & Compliance | • Ensure audit & regulatory compliance • Maintain high underwriting quality (Nil PAR / QM errors) |
| Key Skills Required | • Financial analysis (P&L, Balance Sheet, Ratios) • Credit underwriting • Risk assessment (industry, collateral, financial) • Mortgage product knowledge • Communication & negotiation skills |
| Technical Competencies | • Financial analysis • Collateral & industry risk understanding • Process control • Market knowledge |
| Behavioral Competencies | • Quality focus • Problem-solving approach • Proactive mindset • Professional entrepreneurship |
| Leadership Competencies | • Team development & coaching • Performance management • Change management & adaptability |
| Preferred Experience | Mortgage loans, SME loans, working capital underwriting |
