Agrim Housing Finance Pvt Ltd Hiring for Credit Manager Job at Indore Full Time

Reporting directly to the Head- Credit and Operations,

Job Description

Objective : Credit Manager will be responsible for customer credit assessment, quality of the Loan Book and credit quality of customer at the time of onboarding. Responsible for the operating metrics of Operating Cost, TAT, Cost / File, comparison with market and operate in a Digitally savvy fintech manner. Job Description

• Manage the credit appraisal of loan applications/ scrutiny of relevant documents/ income statement, assessing credit worthiness of clients, conducting a thorough risk analysis before sanctioning loans and disbursing loan amount, ensuring compliance with organization

• Do Credit Risk field visits for Home loan and Loan against Property for affordable housing finance customers, at residence & business premises for personal discussions

• Process Owner for the Credit, risk and operations of the HUB

• Appointment of credit vendors like Verification agencies, fraud check agencies, legal and technical agencies as ensuring delivery of good quality input as per the SLA
• Recommendation of customer applications with mitigants to the HCO

• Portfolio quality to be maintained as per Goal Sheet norms for self

• Thoroughly understand the norms of the Organization for lending

• Process digital applications through LOS for bureau checks, fraud checks, any other process checks, coordinate with branch ops for queries to be shared digitally with the sales and customers/ channels * Basis the Credit Information, Personal discussions and Scorecards, take decision on the case or recommend to the next level for decision

• Coordinate with Sales and branch ops for approval, documentation and disbursal

• Organized and good at planning and just brilliant in execution.

Qualification, Experience and Expertise

• Chartered Accountant or an MBA from a premier institute

• Between 6-10 years in retail credit, risk and policy functions with Housing Finance, NBFCs or Banks across geographies.

• Ability to interact in a local language

• Current experience of home loan and business loan customers credit behaviour

• IT Mind set and ability to articulate and implement the vision of the Organization to the teams

Job Types: Full-time, Regular / Permanent

Salary: ₹226,046.00 – ₹500,000.00 per year

Benefits:

• Health insurance

Schedule:

• Day shift

Supplemental Pay:

• Performance bonus

Experience:

• total work: 1 year (Preferred)