Muthoot Fincorp Limited

CREDIT PROCESSING MANAGER - DIGITAL

Muthoot Fincorp Limited
Chennai
Not disclosed
Work from OfficeWork from Office
Full TimeFull Time
Min. 5 yearsMin. 5 years

Job Description

CREDIT PROCESSING MANAGER - DIGITAL

 

 

 

 

 

Role Profile


CREDIT PROCESSING MANAGER - DIGITAL

 

Page Break

 


ROLE SPECIFICATION 

Role Title

CREDIT PROCESSING MANAGER - DIGITAL

Employee Interviewed


Reports To

Ganesh Esakky

Company

Muthoot Fincorp Limited

Function/Department

SULB/ Business Loan - Credit

Location

 Chennai

Written By


Approved By (Functional)


Approved By (People & Culture)


Date (Written On)




ROLE SUMMARY

The Credit Processing Manager – Unsecured Loans is responsible for evaluating, approving, and monitoring unsecured loan applications while ensuring portfolio quality, risk control, regulatory compliance, and achievement of business objectives. The role involves developing credit policies, managing underwriting, analyzing credit risk trends, and maintaining a healthy loan portfolio also ensure on audit compliance



ORGANIZATIONAL CHART
















KEY RESPONSIBILITIES

Operations & Transactional 

  • Review and approve unsecured loan applications in line with credit policy and delegated authority. 
  • Analyze customer creditworthiness using income documents, bureau reports, bank statements, and alternative data sources. 
  • Evaluate risk parameters such as repayment capacity, indebtedness, credit history, and fraud indicators. 
  • Recommend approvals, declines, or policy exceptions with adequate justification

Process Improvement


  • Develop and implement credit policies, underwriting guidelines, and risk controls. 
  • Review existing processes and recommend enhancements to improve decision quality and efficiency. 
  • Ensure compliance with regulatory requirements, internal policies, and audit standards.
  • Monitor portfolio performance, delinquency trends, and vintage analysis.
  • Track key metrics including approval rates, rejection rates, delinquencies, loss rates, and portfolio profitability




KEY INTERACTIONS

Internal Stakeholders

External Stakeholders


  • Work closely with Sales, Operations, Collections, RCU, and Product teams.



  • External Tech Vendors, RCU vendor


KEY ROLE DIMENSIONS

Geographical coverage – 

Direct reportees 

Total team size 

SULB



KEY SKILLS & BEHAVIOURAL ATTRIBUTES 

  • Credit Underwriting in retail product like PL/BL loans 
  • Credit Bureau Analysis on all aspects
  • Financial Statement Analysis 
  • Fraud Risk Management 
  • Portfolio Analytics 
  • Team Management 
  • Regulatory Compliance 
  • Decision-Making & Problem Solving 
  • Advanced Excel PPT


EDUCATION / EXPERIENCE

  • 5-7 years of experience in retail lending and credit Underwriting 
  • Strong experience in unsecured lending products such as: 
  • Personal Loans
  • Consumer Loans
  • Business Loans
  • Credit Cards
  • Digital Lending Products


Job role

Work location
Work locationANNA SALAI - CHENNAI
Department
DepartmentBanking / Insurance / Financial Services
Role / Category
Role / CategoryBanking Operations
Employment type
Employment typeFull Time
Shift
ShiftDay Shift

Job requirements

Experience
ExperienceMin. 5 years

About company

Name
NameMuthoot Fincorp Limited
Job posted by Muthoot Fincorp Limited

Similar jobs you can apply for

Counsellor (Career / Visa)

Visa Submission Officer

Visa Guides
Nungambakkam, Chennai
₹16,000 - ₹20,000
Work from Office
Full Time
Min. 1 year
Basic English
Everyday Banking Solutions

Personal Loan Executive

Everyday Banking Solutions
Saidapet, Chennai
₹15,000 - ₹60,000*
Work from Office
Part Time
Full Time
Min. 6 months
Basic English

Bike Mechanic

Bolt Madras Motorcycles LLP
Valasaravakkam, Chennai
₹17,000 - ₹33,000*
Work from Office
Full Time
Any experience
No English Required
Lead HR Services

Assembly Technician

Lead HR Services
Chennai
₹16,000 - ₹25,000
Work from Office
Full Time
Any experience
Basic English
Jobseeks 4U Consultancy Services

Pharmacy Assistant

Jobseeks 4U Consultancy Services
Chennai
₹12,000 - ₹15,000
Work from Office
Full Time
Any experience
Basic English

Desktop Support Engineer

Mobie Mate 360 Mobile Protection
Chintadripet, Chennai
₹15,000 - ₹20,000
Work from Office
Full Time
Any experience
Basic English

You can expect a minimum salary of 0 INR. The salary offered will depend on your skills, experience and performance in the interview.

The candidate should have completed the required education and people who have 5 to 7 years are eligible to apply for this job. You can apply for more jobs in Chennai to get hired quickly.

The candidate should have sound communication skills and sound communication skills for this job.

Both Male and Female candidates can apply for this job.

No, it's not a work from home job and can't be done online. You can explore and apply for other work from home jobs in Chennai at apna.

No work-related deposit needs to be made during your employment with the company.

Go to the apna app and apply for this job. Click on the apply button and call HR directly to schedule your interview.

The last date to apply for this job is . For more details, download apna app and find Full Time jobs in Chennai . Through apna, you can find jobs in 64 cities across India. Join NOW!