Manager - Credit - Housing Loans

We have an urgent requirement for a Credit Manager Housing loans for a NBFC Client in Dehradun.

Requirements are :

- Credit underwriting of Housing Loan(Affordable and Prime segment) loans from multiple markets.

- Effective use of technology to underwrite the loans.

- Provide inputs for refinement of the credit appraisal process, model and technology

- Lead inputs for Credit Analytics implementation

- Guide the Sales team on credit aspects of Housing loans lending

- Monitoring of portfolio - through the use of an early warning framework

- Work with Sales and Collections team for the overall health of the portfolio

- Ensure regulatory compliance and internal controls

Desired Candidate Profile :

- 1-3 years of experience in HL Credit Underwriting

- Must have handled Salaried

- Experience of both secured and unsecured loans

- Must have worked with an NBFC, Small Finance Bank or Bank in the area of HL / LAP Lending

- Must have strong analytical skills and risk management skills.

- Must have a strong understanding of credit risk, fraud risk and should ideally have strong intelligence network into the local market

- Experience of handling bad accounts and NPAs would be an added advantage

- Should have personal experience of interacting with collection teams

- Should be comfortable with using technology

- Must be business friendly and have a problem-solving approach

- Comfortable with all documentation pertaining to loans, collateral, guarantees,