About the role
Credit Assessment & Underwriting Review Retail Secured loan applications and assess borrower creditworthiness. Conduct detailed analysis of customer profiles, income, repayment capacity, banking behavior, and collateral security. Evaluate property and other security-related documents to ensure compliance with internal policies and regulatory requirements. Identify, assess, and mitigate potential credit risks before recommending proposals. Due Diligence & Verification Ensure all credit proposals undergo the required due diligence checks. Validate customer information, financial documents, bureau reports, and collateral details. Monitor adherence to underwriting standards and risk parameters. Stakeholder Management Coordinate with Sales and Business teams to resolve credit observations and risk concerns. Provide guidance to sales teams on policy requirements and documentation gaps. Maintain effective communication with internal stakeholders to ensure smooth processing of cases. Approval & Recommendation Prepare independent credit notes and recommendations based on risk evaluation. Recommend proposals to State Credit Manager, Zonal Credit Manager, or National Credit Manager as per delegation matrix. Ensure all recommendations are supported by sound credit rationale and documented analysis. Portfolio & Risk Monitoring Monitor portfolio quality and identify emerging risk trends within the assigned area. Highlight deviations, exceptions, and high-risk exposures to senior credit authorities. Support implementation of risk management initiatives and policy changes. Process & Compliance Ensure credit decisions comply with company policies, regulatory guidelines, and audit requirements. Maintain stipulated turnaround times (TAT) for credit decisions. Support internal and external audits by providing required documentation and justifications.