Credit Manager

 Exp. – 2+ yrs 

Role & Responsibility:  Credit Appraisal of Loan applications within defined guidelines and accordingly take decisions or recommendations for approval to higher authorities. 

 Underwriting cases with the desired level of quality and enabling achievement of Branch Business targets by proper training. 

 To evaluate proposals of customers for Home Loan and LAP.  Use performance history along with liquidity, debt/asset management, and profitability ratios to assess creditworthiness in the evaluation 

 Interact with Customers & understand the business and regularly monitor delinquencies/infants.

  Decision-making within defined TAT

  Understanding of property-related knowledge (like legal title and market value of the property). 

 Coordinating with sales, operations, legal, technical and customer service 

Qualifications:  Bachelor's degree in Business Administration, Marketing, or a related field. 

 Minimum of 2 years of progressive experience in sales management, specifically in home loans or mortgage related roles.

 Proven track record of success in leading and motivating sales teams to achieve and exceed targets.

  In-depth knowledge of the rural housing market, including market trends, regulations, and customer preferences. 

 Excellent communication, negotiation, and interpersonal skills.

 Strong analytical and problem-solving abilities. 

 Ability to work independently and remotely, managing multiple priorities effectively.