Credit Manager-Loan Against Property

IDFC FIRST Bank · Dehradun

  • Experience2–3 yrs
  • SalaryNot disclosed
  • Work modeonsite
  • Levelmid
  • Posted1 Oct 2026
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About IDFC FIRST Bank

IDFC FIRST Bank is hiring in Dehradun in financial services. This role looks for around 2+ years of experience.

Skills

  • credit underwriting
  • credit assessment
  • risk evaluation
  • KYC
  • regulatory standards

The role

A credit manager at a retail bank evaluates loan underwriting, credit assessment, and risk evaluation while monitoring secured lending portfolios and guiding credit underwriters. The role applies KYC documentation practices and regulatory standards to support sound lending decisions.

Full job description

Job Requirements

About the Role

The Credit Manager – Loan Against Property (LAP) is responsible for evaluating, reviewing, and approving credit proposals related to LAP products within the Retail Underwriting function. The role involves maintaining agreed service level deliverables, ensuring adherence to credit policies, and managing portfolio quality through regular monitoring and strategic account management. The incumbent will work closely with business teams to align credit decisions with the bank’s risk appetite and foster effective interpersonal relationships across teams.

Key Responsibilities

Primary Responsibilities

Underwrite secured and unsecured loan proposals in accordance with defined policies and procedures, ensuring service level agreements (SLAs) are met.Supervise a team of credit underwriters and provide necessary guidance and support.Conduct personal discussions with customers to assess creditworthiness.Minimize front-end delinquencies by proactively engaging with customers at the first sign of default.Ensure completion and verification of credit and KYC documentation through telephonic checks, field visits, and collateral inspections.Coordinate with the sales team to meet business targets and maintain SLA compliance.Ensure strict adherence to credit policies and regulatory standards.

Secondary Responsibilities

Monitor portfolio performance and identify early warning signals.Track deferrals and renewals and develop appropriate account strategies in collaboration with the business team.Maintain strong peer relationships and contribute to a collaborative work environment.

What We Are Looking For

Education

Graduate in any discipline (mandatory)

Experience

Minimum of 2 years of experience in credit underwriting, preferably in LAP or retail lending

Skills and Attributes

Strong analytical and decision-making skillsIn-depth understanding of credit assessment and risk evaluationAbility to manage and mentor a teamExcellent communication and interpersonal skillsAttention to detail and commitment to compliance