Area Credit Head IIFL Home Loans
IIFL Home Loans
Office Location
Full Time
Experience: 5 - 5 years required
Pay:
Salary Information not included
Type: Full Time
Location: Haryana
Skills: credit analysis, Leadership, Team Management, Communication, Negotiation, regulatory requirements, Underwriting processes, Compliance Standards
About IIFL Home Loans
Job Description
Key Responsibilities Credit Assessment & Underwriting Evaluate and approve credit proposals for home loans. Analyze financial statements, bank records, and other relevant documents to assess the creditworthiness of borrowers. Portfolio Management Monitor the performance of the credit portfolio, ensuring that delinquencies and Non-Performing Assets (NPAs) are within acceptable limits. Implement strategies to mitigate credit risk and optimize recovery rates. Regularly review and update credit policies based on portfolio performance and market dynamics. Team Leadership & Development Lead and mentor a team of credit officers, providing guidance and training to enhance their skills and performance. Ensure that the team adheres to credit policies and maintains high standards of credit assessment. Compliance & Risk Management Ensure compliance with regulatory requirements and internal policies related to credit operations. Collaborate with risk management teams to identify potential risks and implement mitigation strategies. Stakeholder Collaboration Work closely with sales, collections, and operations teams to streamline credit processes and enhance customer experience. Provide feedback to product and policy teams to refine credit offerings and processes. Qualifications & Experience Educational Background: CA qualification is Mandatory Skills: Proficiency in credit analysis and underwriting processes. Strong leadership and team management abilities. Excellent communication and negotiation skills. Familiarity with regulatory requirements and compliance standards in the NBFC industry,