Decentralized Underwriting Manager, Mortgages Credit, Credit Manager

About the role

About Retail Credit The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role CPC Credit underwriting managers manages core underwriting activities at the Credit Processing Centres. Credit Processing Associates would be reporting. Key Responsibilities Monitor Turnaround Time (TAT) from Login to Sanction for Asha Loan cases to ensure timely decisioning. � Validate data entry accuracy and ensure all borrower details, financial inputs and FI findings are correctly captured in systems. � Assess and underwrite proposals using Asha-specific evaluation techniques including informal income assessment, surrogate programs and field validation reports. Take credit decisions in line with policy guidelines, risk frameworks and deviation approval mechanisms. Ensure adherence to audit, compliance and policy requirements, avoiding repeat audit observations. Coordinate with FI agencies, technical vendors and internal teams to obtain necessary inputs for effective underwriting. Provide continuous feedback on process gaps, policy changes and underwriting challenges specific to Asha segment. Participate in training initiatives, process improvements and pilot programs for enhancing underwriting efficiency. Manage stakeholder interactions with Business, Operations and Vendors for seamless case processing. Contribute ideas for process enhancements, automation opportunities and cost efficiencies. Qualifications Optimal qualification for success on the job is: Graduate / Post- Graduation (MBA/ CA preferred) Experience in retail credit with team handling. Role Proficiencies: For successful execution of the job, the candidate should possess: �Knowledge of credit, industry and product trends �Knowledge of regulatory guidelines and norms �Good communication (both verbal and written) skill in both English and the local language Refer to the Job Description

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
• Make credit decisions in line with policy and risk frameworks
• Ensure compliance with audit and policy requirements
• Coordinate with FI agencies, vendors and internal teams for underwriting inputs
• Provide feedback on process gaps and policy changes
• Participate in training initiatives and process improvement projects

What you’ll bring

• Graduate or Post-Graduation (MBA/CA preferred)
• 8-12 years retail credit experience with team handling
• Knowledge of credit, industry and product trends
• Knowledge of regulatory guidelines and norms
• Strong verbal and written communication in English and local language

Skills

Education

Graduate/Post-Graduation