IDFC FIRST Bank | Credit Manager-Loan Against Property

Primary responsibilities

• The Credit Manager – Loan Against Property (LAP) is responsible for evaluating, reviewing, and approving credit proposals related to LAP products within the Retail Underwriting function.
• The role involves maintaining agreed service level deliverables, ensuring adherence to credit policies, and managing portfolio quality through regular monitoring and strategic account management.
• The incumbent will work closely with business teams to align credit decisions with the bank’s risk appetite and foster effective interpersonal relationships across teams.
• Conduct personal discussions with customers to assess creditworthiness.
• Ensure completion and verification of credit and KYC documentation through telephonic checks, field visits, and collateral inspections.
• Coordinate with the sales team to meet business targets and maintain SLA compliance.
• Ensure strict adherence to credit policies and regulatory standards.
• Monitor portfolio performance and identify early warning signals.
• Track deferrals and renewals and develop appropriate account strategies in collaboration with the business team.
• Maintain strong peer relationships and contribute to a collaborative work environment.
• Underwrite secured and unsecured loan proposals in accordance with defined policies and procedures, ensuring service level agreements (SLAs) are met.
• Supervise a team of credit underwriters and provide necessary guidance and support.

Requirements

• Minimum of 2 years of experience in credit underwriting, preferably in LAP or retail lending.
• Strong analytical and decision-making skills.
• In-depth understanding of credit assessment and risk evaluation.
• Ability to manage and mentor a team.
• Excellent communication and interpersonal skills.
• Attention to detail and commitment to compliance.
• Graduate in any discipline (mandatory)

IDFC FIRST Bank

IDFC FIRST Bank is an employer hiring in India (sector: BFSI / Investments / Insurance). In its own words: "At IDFC FIRST Bank we provide comprehensive personal banking services tailored to your needs."

CA Samaaj lists IDFC FIRST Bank's current India openings for finance, accounts, audit and tax professionals, taken from its official careers site (careers.idfcfirst.bank.in) and checked regularly to remove closed jobs. Recent roles are based in Mumbai, Jaipur, Thane and Bengaluru.

• Industry: BFSI / Investments / Insurance