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Cluster Credit Manager-LAP ( Coimbatore)

6.00 to 10.00 Years   Coimbatore   02 Jul, 2025
Krazybee Services Private Limited
Job LocationCoimbatore
EducationNot Mentioned
SalaryRs 7 - 14 Lakh/Yr
IndustryFinTech
Functional AreaFinance / Accounts / Tax
EmploymentTypeFull-time

Job Description

    Job Title: Cluster Credit Manager Loan Against Property Department: Credit & Risk Location:Coimbatore Reports To: Zonal Credit Manager / Regional Credit HeadJob Summary:The Cluster Credit Manager Loan Against Property (LAP) is responsible for overseeing credit underwriting and risk management for multiple branches within the assigned cluster. This role ensures sound credit decision-making in line with company policies while supporting business growth and maintaining asset quality. The incumbent will handle high-value LAP proposals, manage credit operations, and mentor branch-level credit teams.Key Responsibilities:Credit Underwriting & Decision-Making:
    • Evaluate and approve/recommend LAP loan proposals within the approved credit limits.
    • Perform financial, business, and risk analysis of applicants including income assessment (formal & informal), property evaluation, and repayment capacity.
    • Ensure end-to-end credit processing within defined TAT and adherence to credit policies.
    Portfolio Quality & Risk Management:
    • Monitor and manage the credit portfolio quality of assigned branches.
    • Identify early warning signals and suggest corrective actions to prevent NPAs.
    • Conduct periodic portfolio health reviews and risk assessments.
    Policy Implementation & Compliance:
    • Ensure strict adherence to credit policies, underwriting guidelines, and regulatory norms.
    • Suggest policy revisions based on ground-level insights and market dynamics.
    Team Management & Development:
    • Guide and mentor branch credit managers and officers within the cluster.
    • Conduct training sessions for sales and credit teams on policy, documentation, and fraud detection.
    • Support in recruitment and performance evaluation of credit staff.
    Stakeholder Coordination:
    • Liaise with sales, legal, technical, and operations teams to ensure smooth loan processing.
    • Work closely with collections team to support recovery efforts in stressed accounts.
    Reporting & MIS:
    • Prepare and submit timely reports on approvals, rejections, deviations, and portfolio performance.
    • Support audit and compliance teams with documentation and clarifications.
    Required Skills and Qualifications:
    • Graduate/Postgraduate in Finance, Commerce, CA, or MBA preferred.
    • 58 years of experience in credit underwriting of Loan Against Property or similar secured lending products.
    • Strong knowledge of LAP underwriting including income assessment (self-employed, SME), property documentation, and legal/technical evaluation.
    • Ability to assess credit risk and make sound judgments.
    • Excellent communication, interpersonal, and leadership skills.
    • Familiarity with credit bureau reports, financial ratios, and market trends.
    Preferred Experience:
    • Prior experience in NBFCs, banks, or housing finance companies.
    • Exposure to semi-urban and rural LAP markets is a plus.
    • Experience managing a team across multiple branches.

Keyskills :
team handlingpropertylaploan

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