Job Title – GM Credit

Location – Corporate office, Noida

Job Profile

Overall responsibility of credit appraisal and underwriting of Home loans & Loan against property, Active role in setting up business targets and markets with management and implementation of the same, Maintenance of inter departmental coordination across different verticals , Presentations to higher Management on credit policy ,credit scoring & risk mitigation ,Product Development

Job Description –

  • Assessing credit risk for Home Loans and Loan against property
  • To formulate Business strategy and Leadership quality to lead team of greater than 20 people
  • Conducts income appraisal of salaried and self-employed borrowers. Doing Personal discussions ,having  in depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.
  • Assesses income to obligation ratios, loan to value ratios, in depth knowledge of calculation of ratios and its impact on loan performance over long tenures.
  • Approves builder projects in the Delhi/NCR region.
  • Responsible for fraud management and risk mitigation activities
  • Formulation of policy, process, product etc.
  • Provides Market intelligence from a competition and customer stand point
  • Manage the legal & technical evaluations & respective policies in the Delhi/NCR region.

Qualification – MBA / CA

Experience – 8+ years in mortgage industry

Skills – Credit appraisal , in depth analysis, Regulatory guidelines

 

If this job role interests you, please send your CV on careers@newhabitat.in