IF
Hiring companyIDFC FIRST Bank
Verified 6 days ago
Credit Manager Mortgage Rural
Amalapuram, Andhra Pradesh, India Full-time On-site
About the role
Retail Banking Credit team manages mortgage lending for rural customers. The Credit Manager oversees end‑to‑end credit applications, conducts customer interviews, ensures KYC and policy compliance, and collaborates with sales and collections to meet targets while minimizing risk. Amalapuram, India, on‑site role.
What you’ll do
- Review and approve credit proposals within discretionary authority
- Monitor retail credit portfolio and recommend adjustments
- Drive process improvements for service efficiency
- Coordinate with sales and collections to meet SLAs
- Conduct personal discussions to assess creditworthiness
- Control front‑end delinquencies through early customer contact
- Ensure completion of credit/KYC documents and field verification
- Recommend policy enhancements for operational efficiency
What you’ll bring
- 2+ years credit experience
- Underwriting secured and unsecured loan proposals
- Conducting creditworthiness interviews
- Managing KYC documentation and verification
- Coordinating with sales to achieve targets
- Collaborating with collections to reduce delinquencies
- Ensuring adherence to credit policies
- Monitoring portfolio performance
Skills
Credit underwritingRisk assessmentPortfolio managementCustomer liaisonPolicy compliance
Education
Graduation (Any Field)