About the role

Retail Credit department at AXIS BANK focuses on underwriting retail loan products and maintaining portfolio quality. The Credit Manager leads the decentralized underwriting team for Asha mortgage loans, monitoring turnaround times, validating data, assessing proposals with specialized techniques, and ensuring compliance with policies. Based in Lucknow, on-site, the role involves coordinating with FI agencies, internal teams, and vendors, while driving process improvements and stakeholder engagement.

What you’ll do

Monitor turnaround time from login to sanction for Asha loan cases
Validate borrower data entry accuracy and ensure correct system capture
Assess and underwrite proposals using Asha-specific evaluation techniques
Ensure adherence to audit, compliance and policy requirements
Coordinate with FI agencies, technical vendors and internal teams for inputs
Provide feedback on process gaps, policy changes and underwriting challenges
Participate in training initiatives and process improvement pilots
Manage stakeholder interactions with business, operations and vendors

What you’ll bring

Graduate or Post-Graduation (MBA/CA preferred)

Nice to have

Knowledge of credit, industry and product trends
Familiarity with regulatory guidelines and norms
Strong verbal and written communication in English and local language

Skills

Credit underwritingRisk assessmentCompliance managementStakeholder coordinationProcess improvement

Education

Graduate