[Hiring] Cluster Credit Manager @Godrej Group

Role Description

Lead and manage the credit function across a cluster of branches for the Affordable Housing Finance business.

• Evaluate and approve/recommend housing loan and LAP proposals in line with the organisation’s credit policy and delegated authority.
• Ensure robust assessment of customers across income, repayment capacity, banking behaviour, bureau history, collateral, and overall creditworthiness.
• Review complex and high-value cases and provide sound, data-driven credit decisions.
• Ensure adherence to credit policies, processes, regulatory guidelines, and risk parameters.
• Monitor portfolio quality across the cluster and identify early warning signals, deviations, and emerging credit risks.
• Work closely with Sales teams to balance business growth with portfolio quality and risk appetite.
• Conduct regular reviews of branch-level credit performance, approval rates, TAT, deviations, delinquency trends, and portfolio metrics.
• Guide and mentor the credit team, ensuring quality underwriting and consistent application of credit policies.
• Ensure effective management and closure of credit-related audit observations and process gaps.
• Collaborate with Risk, Operations, Legal, Collections, and other functions to resolve complex cases and strengthen portfolio quality.
• Analyse market, customer, and portfolio trends to identify potential risks and recommend corrective actions.
• Ensure appropriate documentation, controls, and compliance throughout the credit lifecycle.
• Drive continuous improvement in credit processes, turnaround time, and underwriting quality.

Qualifications

• 8–10 years of work experience.

Benefits

• 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.
• Gender-neutral anti-harassment policy.
• Same sex partner benefits at par with married spouses.
• Coverage for gender reassignment surgery and hormone replacement therapy.
• 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.
• Structured recognition platforms for individual, team and business-level achievements.
• Digital and offline instant recognition platforms.