High Value Underwriter - Loan Against Property - Mumbai - Goregaon (E) - MM*

Job description

11183 | | | | | --- | --- | --- | | | | | | --- | --- | | **Major Deliverables:** - Monitoring all CFAB product digital journeys from Credit side and ensuring testing/ tracing out further scope - Active engagement with stakeholders- Product/Sales/Credit/Digital/Data Science/IT/Operations/Collections/relevant fintech/ IT vendors - Enabling Best in Class End to End Digital Customer experience leading to business growth - Tracing out opportunities/ not in line with policy rules from the customer segments coming in - Discussing the data backed analysis with Credit Team/ Risk team and proposing relevant changes in the rules/ journey - Suggest process/ journey changes and draft process notes/ BRDs - Facilitating development/ modification of digital journeys by engaging with relevant stakeholders & BRE fintech/IT Vendors - Credit Lead for BRE migration, Testing BRE rules for new policies along with other stake holders - One product- one set of rules: Ensure standardisation of digital underwriting rules for Assisted digital and Online Digital journeys - MIS Automation by liaison with Data Science/Digital and IT Teams - Enabling enhanced Cross sell-Upsell for lending  business - Work along with DS and Risk team for development and review of credit decisioning scorecards - SPOC for Digital Projects undertaken by CFAB Credit Team - Contactless (credit free including alternate data) loan sanction- 1/3rd contribution to each of the products, another 1/3rd to be with minimal Credit touch - Evaluation and implementation of cost effective processing tools e.g.- IDV across products - Forward thinking and at every possible step implementation of Human less processes - Drive better efficiency with Data Science team through Machine Learning Models - Review and Presentations to Senior management/ relevant forums • Focus on decisioning of High Value cases for Business Loans and Loan Against Property across the country. • Underwrite for all customer segments for Retail high value loan products and decide/ present to senior level for decisioning. • Authorize deviations raised and documented by underwriters in compliance with credit policy. • Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests. • Manage end to end credit approval for all such high value cases from Pan-India which comes for decision from all Regions. | | | --- | | **Education Qualification: Chartered Accountant** Experience: 10+ years of work experience in LAP and Business Loans Underwriting | /MBA/PGDBA/PGPM or Equivalent | |