Credit Manager

About Centrum Housing Finance Limited (CHFL)

Centrum Housing Finance Limited is a professionally managed financial institution dedicated to serving middle-class India. It focuses on providing financial inclusion for Lower and Middle Income (LMI) families by offering hassle-free, long-term housing finance solutions.

Job Responsibilities

• Monitor portfolio distribution, concentration, and assess risk levels across products, geographies, and programs.
• Evaluate portfolio performance and identify associated risks.
• Engage in direct discussions with customers to evaluate their repayment willingness and capacity.
• Compare budgeted credit losses against actual losses, monitoring early warning signs and recommending policy adjustments as needed.
• Oversee adherence to credit underwriting policies and frameworks.
• Initiate appropriate flags and proposals in alignment with various categories and schemes.
• Ensure timely processing from application inward to sanction, adhering to turnaround time (TAT) standards.
• Conduct thorough examination of all customer documents and internal/external verification reports; report any negative findings in writing to the Assistant Credit Manager (ACM) or reporting manager.
• Lead and supervise a team of Credit Processing Assistants (CPAs), tracking their performance and productivity.

Eligibility and Requirements

Candidates must hold at least a Graduate degree and possess strong knowledge in credit management within the housing finance sector.