Job Description

Role Purpose

The Credit Lead will be responsible for driving prudent credit underwriting, portfolio quality, and TAT management for LAP proposals within the SME business. The role involves evaluating borrower creditworthiness, assessing business and property risks, ensuring policy compliance, and supporting business growth through sound credit decisions.

Key Responsibilities

Credit Assessment & Underwriting

• Evaluate LAP proposals sourced through SME sales channels.
• Conduct detailed financial analysis of borrowers, including review of financial statements, bank statements, GST returns, Income Tax Returns (ITR), and cash flow assessments.
• Assess borrower repayment capacity, business viability, and overall credit risk.
• Analyse property valuation reports, legal opinions, title documents, and collateral adequacy.
• Structure credit proposals considering borrower profile, cash flows, collateral coverage, and risk appetite.

Credit Decisioning

• Approve or recommend credit proposals within delegated authority limits.
• Ensure adherence to internal credit policies, risk guidelines, regulatory requirements, and audit standards.
• Identify and mitigate risks through suitable loan structuring, covenants, and monitoring mechanisms.
• Escalate exceptions and high-risk cases with appropriate recommendations.

Stakeholder Management

• Partner closely with SME Business, Sales, Credit Operations, Legal, Technical, and Collections teams.
• Provide guidance to sales teams on credit requirements, documentation, and policy interpretation.
• Participate in customer discussions and site visits, where required, for complex cases.

Portfolio Risk Management

• Monitor portfolio quality, delinquency trends, and early warning signals.
• Support portfolio reviews and identify sectors/accounts requiring enhanced monitoring.
• Drive corrective actions for stressed accounts in coordination with Risk and Collections teams.
• Ensure portfolio growth aligns with acceptable risk parameters.

Process & Governance

• Drive improvements in underwriting quality, TAT, productivity, and customer experience.
• Maintain robust credit documentation and audit readiness.
• Support policy reviews and implementation of new credit programs and risk frameworks.
• Ensure compliance with regulatory, internal audit, and risk governance requirements.

Requirements

• 15-20 years of experience in Credit Underwriting, Credit Risk Management, or SME Lending.
• Strong experience in Loan Against Property (LAP), Mortgage Lending, and Secured Lending.
• Proven track record in evaluating and approving large-ticket SME credit proposals.
• Experience in portfolio risk management, delinquency monitoring, and credit decisioning.
• Exposure to property-backed lending, collateral assessment, and legal/technical evaluation processes.
• Strong expertise in financial statement analysis, cash flow assessment, and credit appraisal.
• In-depth understanding of SME lending products and secured lending structures.
• Knowledge of property valuation, legal documentation, title verification, and collateral management.
• Strong credit underwriting, risk assessment, and loan structuring capabilities.
• Sound understanding of regulatory guidelines, internal credit policies, and risk governance frameworks.
• Excellent analytical, problem-solving, and decision-making skills.

Educational Qualifications

• Bachelor's Degree in Commerce, Finance, Economics, Business Administration, or related field.
• MBA (Finance), CA, CFA, or equivalent professional qualification preferred.

Key Skills & Competencies

• Strong knowledge of LAP products, SME lending, and secured lending.
• Expertise in financial statement analysis and cash flow assessment.
• Understanding of property valuation, legal documentation, and collateral management.
• Strong credit underwriting and risk evaluation skills.
• Decision-making and analytical capability.
• Stakeholder management and influencing skills.
• Strong communication and presentation skills.
• Ability to balance business growth with risk management.

Location:

Mumbai

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time