RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA

738374RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA< < 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.Â
• Validate data entry accuracy and ensure all borrower details, financial inputs and FI findings are correctly captured in systems.Â
• Assess and underwrite proposals using Asha-specific evaluation techniques including informal income assessment, surrogate programs and field validation reports.Â
• Take credit decisions in line with policy guidelines, risk frameworks and deviation approval mechanisms.Â
• 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:< <

• Â 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:< <
• Â Knowledge of credit, industry and product trends<
• Â Knowledge of regulatory guidelines and norms<
• Â Good communication (both verbal and written) skill in both English and the local language< < < < Salem7 - 9 Years10R02-Aug-2026NACTIVE1511223502082026173025

Refer to the Job Description

Salem7-9 Yrsf10884YYY738374Hybrid0false1832026-08-02T18:37:00Z2026-08-02T18:37:00Z2026-08-02T18:37:00Z