Digital Credit Manager

Job description

**Role & responsibilities** Assess home loan applications received through digital platforms. -Analyze applicant financials, income documents, banking behavior, bureau reports, and repayment capacity. -Evaluate salaried and self-employed customer profiles. -Conduct credit underwriting as per company policy and risk parameters. -Verify KYC, property documents, employment, and income details. -Coordinate with sales, operations, legal, technical, and risk teams for loan processing. -Identify fraud risks and policy deviations. -Recommend approvals, rejections, or deviations within delegated authority limits. -Monitor portfolio quality, delinquency trends, and early warning signals. -Ensure compliance with regulatory and internal audit requirements. -Maintain turnaround time (TAT) and productivity targets. -Support automation and digital credit initiatives for improved customer experience. **Preferred candidate profile** **-**Minimum Graduate Required -Strong understanding of home loan underwriting and mortgage products. -Knowledge of credit bureau analysis (CIBIL/Experian/Equifax). -Familiarity with banking statements and income assessment. -Understanding of property valuation and legal checks.