Manager - Retail Credit - Housing

Role Responsibilities:

• Assess and underwrite mortgage and LAP proposals in alignment with internal policies.
• Conduct PDs, verify documents, and manage credit risk through financial and collateral analysis.
• Ensure timely processing, documentation, and reporting through MIS and internal systems.
• Collaborate with sales teams and manage quick mortality recovery and portfolio health.

Key Deliverables:

• Achieve underwriting SLAs and maintain quality disbursal pipelines.
• Ensure adherence to credit policy, legal norms, and KYC compliance.
• Monitor credit performance and highlight risk deviations for corrective actions.
• Facilitate end-to-end credit operations for assigned branch or location.