Credit Manager – Underwriting Secured Loans

•Evaluating loan proposals for recommendations and approvals as per credit policy

•Conducting regular functional training for business and credit teams across retail and LAP products

•Managing peer-review processes in underwriting and field visit review sampling to ensure robust credit mechanisms

•Publishing branch credit quality scores and red reports for senior management based on underwriting and credit intelligence inputs

•Monitoring construction completion for fully disbursed retail loans to ensure regulatory compliance

•Analyzing recurring customer defaults to identify portfolio stress indicators and advising senior management for policy adjustments

•Following up on bounced collections through branch and business teams to ensure zero delinquency