We are seeking a results-driven and detail-oriented professional to manage end-to-end credit underwriting and operations for secured loan products. The incumbent will be responsible for appraising loan applications, coordinating with legal and technical vendors, ensuring policy compliance, and supporting efficient loan disbursal processes across defined geographies.

The Core Responsibilities For The Job Include The Following

Credit Appraisal and Underwriting:

• Evaluate secured loan proposals (LAP, Home Loans, Business Loans with collateral) across multiple customer segments.
• Conduct thorough due diligence on financial, business, and property-related documents.
• Coordinate with legal and technical agencies for verification, valuation, and title clearance reports.
• Maintain turnaround times (TATs) and ensure adherence to credit risk guidelines and approval matrices.
  
  

Operations And Documentation

• Oversee document verification and processing for loan disbursal.
• Ensure data accuracy in internal systems (LMS/CBS).
• Manage pre-disbursal and post-disbursal documentation and recordkeeping.
• Support centralized disbursement operations and ensure audit readiness.
  
  

Regulatory And Policy Compliance

• Ensure all activities align with regulatory norms, RBI guidelines, and internal credit policies.
• Identify and escalate exceptions/deviations to the appropriate authority for resolution.
• Participate in periodic internal/external audits and facilitate the timely closure of observations.
  
  

Vendor And Stakeholder Coordination

• Liaise with legal, technical, sales, and branch teams to ensure efficient file movement and closure.
• Monitor service levels and performance of third-party vendors.
• Act as the central point of coordination between credit, operations, and field teams.
  
  

Portfolio Monitoring And Reporting

• Track disbursement volumes, pending files, and policy deviations.
• Generate and analyze MIS reports related to credit decisions and operational metrics.
• Provide insights for continuous improvement in underwriting and disbursement processes.
  
  

Requirements

• Graduate/Postgraduate in Finance, Commerce, or Business Management.
• 3-6 years of experience in credit underwriting and secured loan operations (NBFC/SFB/Banking domain).
• Strong understanding of secured lending products (LAP, HL, etc. ) and associated risks.
  
  

Key Skills

• Credit assessment and risk evaluation.
• Knowledge of legal and technical documentation for property loans.
• Familiarity with regulatory frameworks (RBI, KYC/AML norms).
• Coordination with cross-functional teams and third-party vendors.
• Proficiency in MS Office and Loan Management Systems (LMS).
• Strong analytical and communication skills.
  
  

This job was posted by Sakshi Gupta from Arth.