Credit Manager - TATA CAPITAL HOUSING FINACE Ltd - Mundargi & Huvin Hadagali
(2026-01)
Credit Manager for All Housing and LAP Products managing credit underwriting, appraisal, portfolio and risk management, and operational & stakeholder coordination.
- Evaluate retail and mortgage loan applications (Home Loans, LAP) based on internal credit policies and risk parameters
- Analyse financial statements, income-to-obligation ratios (FOIR), and loan-to-value (LTV) ratios to determine repayment capacity
- Conduct physical or telephonic interviews with customers to verify their business/employment profile and financial stability
- Approve, decline, or recommend loan proposals within delegated sanctioning authorities (e.g., up to ₹50 Lakhs for certain levels)
- Continuously monitor the health of the existing loan portfolio to identify early warning signs of stress or delinquency
- Oversee the collection and management of pending documents to ensure legal and technical compliance
- Document and authorize necessary deviations from standard credit policy while ensuring appropriate risk mitigants are in place
- Maintain and report on Management Information Systems (MIS) related to portfolio performance, delinquency, and cluster operations
- Coordinate with external agencies for technical valuations, legal opinions, and Field Investigations (FI) to ensure timely report submission
- Partner with the sales team to facilitate a quick Turnaround Time (TAT) for proposals without compromising credit quality
- Ensure strict adherence to internal credit monitoring policies and regulatory standards for every file
Chief Manager – Credit, Branch Credit Operations Manager - Cholamandalam Investment and Finance Company Ltd - Belgaum, Gokak, Chikodi
(2025-02 - 2026-01)
Branch Credit Operation Manager for All Secured Home loan and LAP Products managing the entire credit application process, quality portfolio, and credit decisions.
- Manage the entire credit application process, right from login to disbursement
- Manage the Quality Portfolio and early delinquency collection
- Responsible for TAT of delivering sanction letter and disbursement
- Responsible to do Physical PD in Small to Big ticket size cases recommendation
- Co-ordinate with Legal and technical, FI and FCU (Froud Control Unit) Agency for check and processing the file
- CIBIL Check, Profile Analysis, Physical Verification and recommending a case
- Underwriting loan proposals of salaried, Self-employed professional and self-employed nonprofessional customers
- CAM Preparation and financial analysis, Banking check, ITR, P&L A/C, Ballance Sheet, Ratio Analysis, eligibility calculation as per policy norms
- Original Property documents verification and PVR (Property Verification Report) preparation
- Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
- Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
- Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
- Monitor and enforce approval rate and TAT as per prescribed standards
- To conduct customer meeting to evaluate credit proposal
- Underwriting in declare income and Assessment of income
- Take sound lending decisions based on the available information & interaction with the applicants
- Managing Performance in terms of key drivers
- Sound Knowledge of Retail Banking & Finance
- Handling customer queries & good communication skills
Branch Credit Manager - IDFC First Bank Ltd - Jamkhandi Bagalkot
(2023-09 - 2025-02)
Branch Credit Operation Manager for All Secured and Unsecured Products managing the entire credit application process, quality portfolio, and credit decisions.
- Manage the entire credit application process, right from login to disbursement
- Manage the Quality Portfolio
- Responsible for TAT of delivering sanction letter and disbursement
- Responsible to do Physical PD in Small to Big ticket size cases recommendation
- Co-ordinate with Legal and technical, FI and FCU (Froud Control Unit) Agency for check and processing the file
- CIBIL Check, Profile Analysis, Physical Verification and recommending a case
- Underwriting loan proposals of salaried, Self-employed professional and self-employed nonprofessional customers
- Underwriting loan proposals received from both Indians and Non-Resident Indian customers
- CAM Preparation and financial analysis, Banking check, eligibility calculation
- Sanction a case within Limit and TAT
- Original Property documents verification and document preparation
- Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
- Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
- Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
- Monitor and enforce approval rate and TAT as per prescribed standards
- To conduct customer meeting to evaluate credit proposal
- Underwriting in declare income and Assessment of income
- Take sound lending decisions based on the available information & interaction with the applicants
- Managing Performance in terms of key drivers
- Sound Knowledge of Retail Banking & Finance
- Handling customer queries & good communication skills
Branch Credit Manager - Aadhar Housing Finance Ltd - Belgaum
(2021-10 - 2023-09)
Branch Credit Manager for All Home loan products with MSME and Mortgage managing the entire credit application process, quality portfolio, and credit decisions.
- Manage the entire credit application process, right from login to disbursement
- Manage the Quality Portfolio
- Responsible for TAT of delivering sanction letter and disbursement
- Responsible to do Physical PD in Small to Big ticket size cases recommendation
- Co-ordinate with Legal and technical, FI and FCU (Froud Control Unit) Agency for check and processing the file
- CIBIL Check, Profile Analysis, Physical Verification and recommending a case
- Underwriting loan proposals of salaried, Self-employed professional and self-employed nonprofessional customers
- Underwriting loan proposals received from both Indians and Non-Resident Indian customers
- CAM Preparation and financial analysis, Banking check, eligibility calculation
- Sanction a case within Limit and TAT
- Original Property documents verification and document preparation
- Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
- Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
- Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
- Monitor and enforce approval rate and TAT as per prescribed standards
- To conduct customer meeting to evaluate credit proposal
- Underwriting in declare income and Assessment of income
- Take sound lending decisions based on the available information & interaction with the applicants
- Managing Performance in terms of key drivers
- Sound Knowledge of Retail Banking & Finance
- Handling customer queries & good communication skills
Assistant Manager-Credit - Aviom India Housing Finance Pvt Limited - Hubli
(2020-10 - 2021-10)
Assistant Manager-Credit for Home loans and LAP managing loan application underwriting, financial analysis, and credit eligibility assessment.
- CIBIL Check, Profile Analysis, Physical Verification, Recommending a case, MIS Preparation
- Loan Application underwriting for secured of HL and Lap
- Underwriting in Declared income & assessment of income
- CAM Preparation and financial analysis, Banking check, eligibility calculation
- Sanction a case within Limit and TAT
- Original Property documents verification and document preparation
- Monitoring Vendors like Field Investigation agencies, Valuation & Legal agencies for mortgage and Home Loans and maintained TAT
- Assessing overall Credit Eligibility of customer & sanction the case within limit and recommending to higher Authority beyond limit cases
- Evaluating Credit proposals covering financial, business and industrial risk & deciding of the loan
- Verifying the promoter's track record & ascertaining their credit worthiness
- Monitor and enforce approval rate and TAT as per prescribed standards
- Vendor Management
- To conduct customer meeting to evaluate credit proposal
Junior Field Credit Officer - Five Star Business Finance Limited - Belagavi and Gokak
(2019-09 - 2020-09)
Junior Field Credit Officer managing field investigations and credit assessment activities.
