So… why is it free?

Employers pay when they hire through Elip. You're not the product — you're the talent it finds. No contracts, no card. Not useful? One message wipes everything. No hidden Pro tier. No “contact sales.” This is the entire pricing page.

RCM -Prime LAP at Home Credit India — Mumbai

Experience5–8 yrs
SalaryNot disclosed
Work modeonsite
Posted1 Oct 2026

Apply for this job

About Home Credit India

Home Credit India is hiring in Mumbai in financial services. This role looks for around 5+ years of experience.

Skills

credit underwriting
credit risk frameworks
RBI norms
income surrogate programs
property valuation norms
legal risk assessment
LOS
digital underwriting systems
portfolio monitoring
field verification
de-duplication checks

The role

A credit manager at a financial services company evaluates secured lending proposals and manages credit risk frameworks, property valuation norms, and legal risk assessment. The role analyzes borrower financials, banking patterns, repayment capacity, and portfolio signals while coordinating underwriting quality and policy compliance.

Full job description

ObjectiveTo evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the LAP segment .Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role.Key ResponsibiltiesCredit Appraisal:Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.Policy & Compliance:Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.Income & Risk Assessment:Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.Portfolio Monitoring:Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.Process Efficiency:Collaborate with Operations and Sales to improve TAT and underwriting quality.Business Coordination:Work closely with Business Head, Sales, and Product teams to align growth with risk controls.Fraud & Risk Mitigation:Ensure field verifications, de-dupe checks, and property/legal due diligence.MIS & Analytics:Support credit governance with relevant MIS, dashboards, and portfolio insights.Training & Policy Communication:Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.Required SkillsExperience: 5–8 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).Qualification: Graduate / MBA / CA preferred.Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.Behavioral Skills: Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs