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Posted 16 June, 2026

Credit Manager - MSME

Easy Home Finance Limited
Mumbai, MH, IN Full Time
Reference: cffe11a12daba5ec

Job Description

Role & responsibilities\n1. Credit Appraisal & Underwriting\nAssess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.\nConduct detailed financial analysis of:\nITRs, GST returns, bank statements\nBalance sheets & P&L statements\nCash flow assessment & surrogate income programs\nEvaluate business stability, repayment capacity, and industry risk.\nRecommend deviations with proper justification as per policy matrix.\nMaintain TAT as defined by credit policy.\n2. Risk Assessment & Due Diligence\nConduct personal discussion (PD) with applicants.\nAssess collateral security & property valuation reports.\nCoordinate with Legal, Technical for report validation.\nIdentify early warning signals and mitigate credit risk.\n3.

Portfolio Monitoring\nTrack disbursed cases and monitor early delinquency trends.\nSupport collections team for high-risk accounts.\nEnsure portfolio quality within defined bucket norms.\n4. Policy & Compliance\nEnsure adherence to internal credit policies and regulatory guidelines\nMaintain proper documentation and audit trail.\nSupport internal and external audits.\n5. Business Support\nCoordinate with Sales/Branch team for structured proposals.\nProvide guidance to sourcing team on policy and documentation.\nParticipate in training for updated credit norms.\n\nPreferred candidate profile\nStrong knowledge of MSME financial analysis\nUnderstanding of banking products & collateral-based lending\nGood understanding of property-backed loans\n4+ Years of experience in Credit

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