Posted By

user_img

Parul Monga

AVP HR at Consulting Firm

Last Login: 07 July 2025

Job Views:  
286
Applications:  92
Recruiter Actions:  18

Job Code

1568201

Zonal Credit Manager - Affordable Housing Loans

Posted 1 month ago
Posted 1 month ago

Looking for Zonal Credit Manager - Affordable Housing Loans

Incumbent is responsible for Affordable Housing Loan business and portfolio performance for the Zone. To ensure policies / process compliances in the zone and business processing is being done within agreed TAT standards.

Responsible for monitoring the portfolio quality in the region. Maintain productivity at the desired levels aligned with organizational goals and objectives.

Key Responsibilities:

1. Co-partner with business team to achieve projected business targets in an efficient and effective manner.

2. Lead a team of RCM, ACM and credit underwriters located at various branches and hubs in the zone and ensuring efficient handling of loan processing in the zone with agreed TAT standards

3. Setting up & monitoring process related to vendor management, OTC / PDD management, credit staffing, security creation etc for the zone.

4. Ensure that agreed turnaround times as per SLA are honored across various locations in the Zone and maintain efficient MIS to monitor the same.

5. Adherence to Credit policy with efficiency, accuracy and service standards for the business

6. Track deviations and any correlation between deviations and delinquencies

7. Monitoring of the portfolio, analysis of delinquent cases, profiling of customers, data cuts and highlight any early warning signals

8. Liaison with other industry players including financiers, legal vendors, technical vendors etc to understand the market behaviour.

9. Co-ordinating with teams including cross functional teams at Branches and vendor management

10. Collection of Early delinquent cases, in co-ordination with Sales team.

11. Timely Compliance and resolution of Audit observations

12. Look for technology adoption for improving quality of process / underwriting and efficiency

13. Monitor the productivity of the underwriting team and take corrective action to facilitate smooth functioning of business

14. Build and maintain strong relationships with key customers, developers, and channel partners to support business growth and maintain portfolio quality.

15. Address and resolve escalations related to credit decisions or customer disputes.

16. Liaise with internal and external audit teams to address any compliance issues or findings.

17. Recommend and implement changes to credit policies based on market trends and risk assessments.

Credit Assessment & Approval:

- Lead the credit evaluation process for Affordable housing loan applications within the zone.

- Review and approve credit proposals in line with organizational policies and risk frameworks.

- Analyze financial documents, borrower profiles, and property valuations to determine creditworthiness.

- Looking for CA with minimum 10 + year of experience in any HFC / Bank - Affordable housing / Housing loan Risk / Credit department.

- Should have sound communication skills

- Should have sound knowledge of legal & technical environment in different states in the Zone

- Manage and mentor the credit team, ensuring they are well-trained in credit appraisal, risk assessment, and policy adherence.

-Drive performance through regular assessments, training, and development programs for credit managers and underwriters.

Didn’t find the job appropriate? Report this Job

Posted By

user_img

Parul Monga

AVP HR at Consulting Firm

Last Login: 07 July 2025

Job Views:  
286
Applications:  92
Recruiter Actions:  18

Job Code

1568201

UPSKILL YOURSELF

My Learning Centre

Explore CoursesArrow