Credit Manager - Mortgage Rural

Role Overview

This position sits within Retail Banking under the Credit - Mortgage function. The job holder will oversee the full mortgage credit journey from application login through disbursement, with a strong focus on portfolio quality, policy compliance, and timely execution. The role requires direct interaction with customers to assess creditworthiness, complete all checks and verifications, and ensure decisions align with the bank’s credit standards while remaining supportive of business growth and risk control.

Key Responsibilities

• Assess secured and unsecured loan applications in line with established policies and procedures so service-level commitments and business targets are achieved.
• Meet customers directly to evaluate their repayment capability and overall credit profile.
• Reduce early-stage delinquencies by contacting customers at the first sign of payment issues.
• Ensure all credit and KYC documentation is complete and that telephonic, field, and collateral verifications are carried out.
• Work closely with the sales team to support targets and maintain SLA compliance.
• Apply credit-policy rules consistently and within approved standards.
• Partner with the collections team to lower credit losses and delinquency levels by flagging emerging trends among troubled accounts for corrective action.
• Approve proposals within delegated authority and route higher-value or exception cases to the correct approving authority while maintaining policy compliance.
• Track the retail credit portfolio regularly and suggest adjustments when performance trends require action, including limit enhancements and loan deferrals.
• Identify opportunities to improve service quality and operational efficiency in the assigned area.
• Recommend enhancements to Retail Banking processes and policies that can strengthen customer service and operating productivity.

Additional Information

Business Unit: Retail Banking

Function: Credit - Mortgage

Location: Amalapuram, India

Salary: INR 5,00,000 to 7,50,000 per year

Eligibility: Open to any graduate.

Source note: The source contained no separate perks, number of openings, or joining date details.