Job Title

Credit Manager - LAP Grade Eligibility Senior Executive Designation Credit Manager – Prime LAP Reporting to SCM LocationFunction Risk Job Purpose The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans (Prime LAP) Role Credit assessment and underwriting of prime LAP applications based on product and policy norms – end to end from login to disbursal of loans Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials Disbursal of Mortgage Loans including all checks and verifications Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices In-person meetings and discussions with clients Responsible for maintaining the processing TAT Participate in and clear regular internal and external audits Vendor management, including quality monitoring Qualification & experience Years of experience – 3to4 years Mandatory Qualification – Chartered Accountant/ MBA in Finance Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios Should have worked in mortgage underwriting (HL, LAP) for some part of underwriting career. Should have worked in the same geography as role Essential skills Ability to work in unstructured and evolving situations with an open mind Work in large and varied teams and deliver individual requirements within the same Adhere to expected TAT without compromising on quality Taking of initiatives, strong execution skills, forward thinking ability to anticipate hurdles Ability to understand customer needs and be responsive Technology skills – understanding of and working with existing market technologies in the mortgage industry