01Overview
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 ProductsIt is a Full Time Accountant job for candidates with 5 - 6+ years Experience.More about this Credit Processing Manager - Digital Lending jobPlease go through the FAQs to get all answers related to the given Credit Processing Manager - Digital Lending jobWhat are the eligibility criteria for this Credit Processing Manager - Digital Lending job
Ans : Candidates should have All Education levels with 5-7 years of experience for this Credit Processing Manager - Digital Lending job offered by Muthoot Fincorp Limited in Thirumudivakkam, Chennai.
What salary is offered for this Credit Processing Manager - Digital Lending job
Ans : Salary details will be shared during the hiring process.
What shift and timings does this job follow
Ans : This Credit Processing Manager - Digital Lending job follows a Day shift.
Do you need to visit the office for this job
Ans : Yes, candidates need to visit the office and work from the location in Thirumudivakkam, Chennai.
How many openings are available for this position
Ans : There is 1 opening available for this position.
Is this job open for all genders
Ans : Yes, this Credit Processing Manager - Digital Lending job is open for both male and female candidates.
Where is this job located
Ans : This Credit Processing Manager - Digital Lending job is located in Thirumudivakkam, Chennai.
Why should you apply for this Credit Processing Manager - Digital Lending job
Ans : The employer has not disclosed the salary for this role, but it is a Full Time opportunity with 1 opening available. .
