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Credit Manager - LAP

Credit Saison India
Gurugram, IND
Full-time
Manager · 7–10 years experience
Onsite
Discovered 2 weeks ago

Full Job Posting

Job Responsibilities

  • Lead the end-to-end credit appraisal process for LAP applications, including financial analysis, collateral valuation, and risk assessment.
  • Develop and implement credit policies and procedures specifically tailored for LAP products, ensuring compliance with regulatory guidelines and internal standards.
  • Manage and monitor the LAP portfolio, identifying potential delinquencies and implementing appropriate collection and recovery strategies.
  • Conduct thorough due diligence on borrowers and properties, including site visits and verification of documents.
  • Train, mentor, and supervise a team of credit officers, ensuring their continuous professional development and adherence to best practices.
  • Collaborate closely with sales, operations, and legal teams to streamline processes and optimize customer experience.
  • Prepare and present credit reports, portfolio performance analyses, and risk assessments to senior management.
  • Stay updated on market trends, regulatory changes, and competitive landscape within the LAP segment.
  • Identify and implement process improvements to enhance efficiency and effectiveness of credit operations.
  • Ensure timely and accurate data entry and maintenance within the credit management system.
  • Job Qualifications:
  • Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree or professional certification (e.g., CA, CFA) is a plus.
  • Minimum of 7-10 years of experience in credit risk management, with at least 3-5 years specifically in Loan Against Property (LAP) credit appraisal and portfolio management.
  • In-depth knowledge of LAP products, credit policies, regulatory frameworks, and market dynamics.
  • Strong analytical and financial modeling skills, with the ability to interpret complex financial statements and assess credit risk effectively.
  • Excellent communication, negotiation, and interpersonal skills.
  • Proven leadership abilities with experience in managing and developing a team.
  • Proficiency in credit appraisal software and Microsoft Office Suite (especially Excel).
  • Ability to work under pressure and meet tight deadlines.
  • High level of integrity and ethical conduct.
  • Any Graduates

Preferred Qualifications

  • Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree or professional certification (e.g., CA, CFA) is a plus.

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