Credit Manager - Mass Market

Job Requirements

About Godrej Industries Group (GIG)
GIG is a holding company of Godrej Industries. We have significant interests in consumer goods, real estate, agriculture, chemicals, and financial services through our subsidiary and associate companies, across 18 countries.
www.godrejindustries.com

About Godrej Capital (GCL)
Godrej Capital is a trusted lending partner advocating reliable, transparent, and fair lending practices backed by the legacy and trust of the Godrej Group spanning over 129 years.
www.godrejcapital.com

Job Description:

- Conduct end-to-end credit assessment and underwriting of mortgage loan applications, from login to disbursal, in line with company policies and credit guidelines.
- Evaluate loan applications for creditworthiness through financial analysis, credit bureau assessment, income evaluation, banking analysis, and adherence to KYC requirements.
- Ensure accurate and timely approval, sanction, and disbursal of mortgage loans while maintaining credit quality.
- Assess customer profiles, repayment capacity, business cash flows, and property-related documentation to support sound credit decisions.
- Coordinate with legal, technical, processing, and valuation vendors to facilitate seamless underwriting and disbursal processes.
- Conduct customer interactions, field visits, and in-person discussions whenever required for credit evaluation and risk assessment.
- Monitor and maintain agreed processing turnaround times (TAT) without compromising credit quality and compliance standards.
- Ensure compliance with internal credit policies, regulatory requirements, audit observations, and risk management frameworks.
- Participate in internal and external audits and provide required documentation and clarifications.
- Manage vendor performance, quality standards, and service delivery to support efficient credit operations.
- Collaborate closely with Sales, Operations, Risk, and other cross-functional teams to achieve portfolio growth while maintaining asset quality.

Work Experience
4-6 years

Benefits

Be an equal parent

Childcare benefits for the birthing parent, commissioning parent (in case of surrogacy) or adoptive parent, and their partners

- 6 months of paid leave for primary caregivers, flexible work options on return for primary caregivers
- 2 months paid leave for secondary caregivers
- Caregiver travel for primary caregivers to bring a caregiver and children under a year old, on work travel

Coverage for childbirth and fertility treatment

No place for discrimination at Godrej

- Gender-neutral anti-harassment policy
- Same sex partner benefits at par with married spouses
- Coverage for gender reassignment surgery and hormone replacement therapy
- Community partnerships and advocacy
- Persons with Disability (PwD) care

We are selfish about your wellness

- Comprehensive health insurance plans, as well as accident coverage for you and your family, with top-up options
- Elder care for those who might need to extend support to senior family members
- Preventative healthcare support
- Outpatient Department (OPD) coverage, including vaccinations, dental, vision, etc.
- Uncapped sick leave
- Flexible work options, including remote working and part-time work
- Mental wellness and self-care programmes, resources and counselling

Celebrating wins, the Godrej Way

- Structured recognition platforms for individual, team and business-level achievements
- Digital and offline instant recognition platforms

An inclusive Godrej

Before you go, there is something important we want to highlight. There is no place for discrimination at Godrej. Diversity is the philosophy of who we are as a company. And has been for over a century. It’s not just in our DNA and nice to do. Being more diverse - especially having our team members reflect the diversity of our businesses and communities - helps us innovate better and grow faster. We hope this resonates with you.

We take pride in being an equal opportunities employer. We recognise merit and encourage diversity. We do not tolerate any form of discrimination on the basis of nationality, race, colour, religion, caste, gender identity or expression, sexual orientation, disability, age, or marital status and ensure equal opportunities for all our team members.

If this sounds like a role for you, apply now! We look forward to meeting you.