Credit Processing Manager - Digital Lending

Muthoot Fincorp Limited

Chennai

Not disclosed

Work from Office

Full Time

Min. 5 years

Job Details

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

ANNA SALAI - CHENNAI

Department

Banking / Insurance / Financial Services

Role / Category

Banking Operations

Employment type

Full Time

Shift

Day Shift

Job requirements

Experience

Min. 5 years

About company

Name

Muthoot Fincorp Limited

Job posted by Muthoot Fincorp Limited

Apply on company website