AB
Hiring companyAXIS BANK LTD.
Active listing
Credit Manager, Decentralized Underwriting, Mortgages Credit, ASHA
Bhopal,India Full-time On-site
About the role
Retail Credit Underwriting at AXIS Bank, the department responsible for credit appraisal of retail products. The Credit Manager leads underwriting for ASHA loan cases, monitoring turnaround time, validating data, assessing proposals with specialized techniques, and ensuring compliance. Based in Bhopal, on-site work model.
What you’ll do
- Monitor turnaround time from login to sanction for ASHA loan cases
- Validate data entry accuracy and ensure borrower details are correctly captured
- Assess and underwrite proposals using ASHA-specific evaluation techniques
- Take credit decisions in line with policy guidelines and risk frameworks
- Ensure adherence to audit, compliance and policy requirements
- Coordinate with FI agencies, technical vendors and internal teams
- Provide feedback on process gaps and policy changes
- Participate in training initiatives and process improvement programs
What you’ll bring
- Graduate degree
- Post-Graduation (MBA or CA preferred)
Nice to have
- 8-12 years retail credit experience
- Team handling experience
- Knowledge of credit, industry and product trends
- Knowledge of regulatory guidelines and norms
- Good communication in English and local language
Skills
Credit underwritingRisk assessmentRegulatory complianceStakeholder managementProcess improvement