Acaipl Investment & Financial Services - Credit Manager

Job Description:

Role Description:

- Credit Underwriting for Loan Against Property segment for lending to MSMEs, Individuals and Educational Institutes for ticket size upto 10 Crores

- Oversee the entire lending journey right from application to disbursement while ensuring adherence to internal policies and compliance norms

- Conduct thorough assessments of applicants' creditworthiness and assesses credit risks and mitigants.

- Ensure compliance with credit policies, guidelines, and regulatory frameworks.

- Preparation of approval notes/ rejection rationale for all loan applications.

- Work closely with the Legal and Technical teams for evaluation of collateral

- Collaborate with business team to ensure clear communication on credit policies and customer eligibility criteria.

- Delinquency management.

- PDD Management to ensure committed timelines are adhered.

- Vendor management to ensure TAT and quality is maintained by these agencies

Preferred Skills:

- Ability to conduct in-depth personal discussion with customers.

- Ability to assess loan proposal and make first decision basis risks and merits identified.

- Ability to clearly present credit decisions and rationales to stakeholders.

- Ability to understand the property evaluation: valuation and legal norms.

- In-depth knowledge of Product and Policy.

- Excellent verbal and written communication skills.

- High level of integrity and attention to detail in a fast-paced environment.

- Ability work within defined turn-around time.

How we will support you:

- Training and development to help you excel in your career

- Coaching and support from experts in your team

- A culture of continuous learning to aid progression