Arham Labs Hiring for Credit Manager Job at Mumbai Full Time

Roles & Responsibilities:

• Assessment of borrowers profiles, repayment capacity and income stability.
• Visiting business premise, property and residence of customer at the time of PD
• Understanding of actual business income & expenses (other than reported income) of customer
• Ability to understand customer business and requirement from their perspective
• Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD
• Study, analysis and interpretation of legal & technical reports of property
• Study, analysis and interpretation of other internal check reports
• Underwriting and sanction of Home loan/loan against property files

sourced by sales team

• Revert on post sanction conditions prior to disbursement based on queries raised by the team
• Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix
• Co-ordinate and communicate with different departments
• Maintaining TAT as per guidelines and taking case to decision point
• Adherence to the policy/ process laid out by the Central team on all loan

applications being processed

• Close monitoring on non-starters/first EMI bounce trends
• Audit compliance on all aspects stipulated by Head Office and regulatory

compliance

• Maintaining and reporting of various MIS to monitor portfolio performance

and risk

• Continuously improvise underwriting capability based on portfolio

performance

Requirements:

• Graduate with 3 – 5 years’ experience.

Job Type: Full-time

Salary: ₹60,000.00 – ₹80,000.00 per month

Schedule:

• Day shift

Experience:

• total work: 1 year (Preferred)

Speak with the employer
+91 7098651144