Job Description
The Centralized Credit Underwriting Manager is a part of the team that manages the Pan India credit appraisal process for Personal Loans, Auto Loan, Credit Cards (Commercial and Retail) and is also responsible for the credit process pertaining to Retail Asset FCY Loan and Over Draft Against Fixed Deposits (Individuals) and Gold Loan High Value credit underwriting. The role encompasses the end to end credit operation process including vendor management and management of the Underwriting Officers located at Mumbai and Hyderabad and Noida.
Key Responsibilities:
• Manage underwriting process for Retail Assets/Credit Cards within Retail Lending vertical
• Appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
• Assess the income, ability, intention, and credit behavior and verify it documents and reference checks as well as from various kinds of credit bureau checks.
• Responsible for evaluating all the credit risk parameters and taking measures to mitigate the same
• Responsible for preparing the Credit Approval Memo and for managing the overall TAT, Approval Rate
• Ensure complete adherence to laid down policy and procedure / process
• Responsible for Fi initiation and completion on respective systems
Qualifications:
• CA/MBA Finance with Credit Appraisal, expertise in the areas of Retail, SME, Corporate
Role Proficiencies:
• Knowledge of regulatory guidelines and norms
• Should possess operational and system knowledge
• Good communication (both verbal and written) skill in both English and the local language
• Ability to manage complex client situations
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
• Ability to handle pressure and meet deadlines
Key Responsibilities:
• Manage underwriting process for Retail Assets/Credit Cards within Retail Lending vertical
• Appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
• Assess the income, ability, intention, and credit behavior and verify it documents and reference checks as well as from various kinds of credit bureau checks.
• Responsible for evaluating all the credit risk parameters and taking measures to mitigate the same
• Responsible for preparing the Credit Approval Memo and for managing the overall TAT, Approval Rate
• Ensure complete adherence to laid down policy and procedure / process
• Responsible for Fi initiation and completion on respective systems
Qualifications:
• CA/MBA Finance with Credit Appraisal, expertise in the areas of Retail, SME, Corporate
Role Proficiencies:
• Knowledge of regulatory guidelines and norms
• Should possess operational and system knowledge
• Good communication (both verbal and written) skill in both English and the local language
• Ability to manage complex client situations
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
• Ability to handle pressure and meet deadlines
💡 Quick Summary
Seeking a career-building opportunity? The RB | Collection Underwriting|Centralized Credit Underwriting Manager position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
