Credit Manager- Personal loans, Hyderabad

We are looking for a Credit Manager specializing in Personal Loan Underwriting to assess loan applications, evaluate creditworthiness, and make informed credit decisions in line with the organization’s credit policies and risk parameters.

Key Responsibilities

• Underwrite personal loan applications as per defined credit policies and underwriting guidelines.
• Assess customer eligibility based on income, employment stability, banking statements, credit bureau reports, and repayment capacity.
• Analyze customer profiles, existing obligations, FOIR, credit history, and repayment behavior.
• Identify potential fraud, policy deviations, and high-risk applications.
• Approve, reject, or recommend loan applications within the delegated credit authority.
• Ensure adherence to internal credit policies, risk guidelines, and regulatory requirements.
• Review exceptions and deviations and escalate cases wherever required.
• Maintain turnaround time (TAT) while ensuring the quality of underwriting decisions.
• Coordinate with sales, operations, and risk teams for clarification and resolution of credit queries.
• Monitor underwriting quality and contribute to minimizing early delinquency and credit losses.