LiquiLoans - Credit Manager - Personal Loans Segment

1. Hire, Train and Manage a team of underwriters

2. Manage processes for improvement and standardisation for underwriting

3. Evaluate the creditworthiness of potential customers, create procedures for approving/rejecting loans, negotiating with customer/sales

4. Underwriting loan applications through TVR (telephone verification), analysis of personal profile, documents and financial ratios, CIBIL analysis, Bank Statement Analysis, coordination with different teams and accordingly decision the loans.

5. Prepare reports to portfolio summary across volumes, decisioning rates, TAT, quality of portfolio, alarming trends, etc.

6. Ensuring all loans and lending procedures comply with regulations.

7. Giving feedback to the policy team for improvements

8. Continuous monitoring & hind-sighting of the applications to identify lapses and take corrective actions

9. Competition Analysis to introduce new relevant practises and strengthening the processing / views on segments.

10. Collaborating with Data Science, Product Team, Business Teams, Policy Team for resolving bottlenecks and ensure smooth workflow

11. Perform ad-hoc assignments allocated from time to time