Area Credit Manager for a Digital Lending Platform

We are looking for an Area Credit Manager for a RBI registered Series A funded NBFC founded by Senior Bankers and IIT Delhi Alumini.

Job Profile:
Manage a huge team for Credit Managing for LAP. Delivering superior financial performance while minimizing potential losses. Delivery of partner proposition. Portfolio Review & Monitoring – Delinquency portfolio tracking MIS & digitization of processes.
Will manage a team of credit managers/officers who will have the following Roles and Responsibilities: Assessment of borrowers’ profiles, repayment capacity, and income stability.
Understand and interpret results of financial analysis, banking analysis and bureau reports Analysis of all customer-related information in line with credit & risk policy to check eligibility
Meeting and personal discussion (PD) with customers to understand their business, profile, and loan requirement.
Visiting business premise, property, and residence of the customer at the time of PD.
Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD.
Study, analyze, and interpret legal & technical reports of property.
Underwriting and sanction of Home loan/loan against property files sourced by the sales team. Maintaining TAT as per guidelines and taking the case to a decision point.

Requirements:
Strong mortgage underwriting skills with proactive portfolio management
Must have 7+ years of experience in NBFC.
Candidates Should be 3-4 Years in affordable Housing/ Micro LAP Market- Credit in Delhi NCR
Should have a clear legal & technical knowledge of Delhi NCR.
Strong team management experience to complete within TAT (Sales/Credit) Business.