High Value Underwriter - Loan Against Property - Mumbai - Goregaon (E) - MM*

11183
Major Deliverables:
Monitoring all CFAB product digital journeys from Credit side and ensuring testing/ tracing out further scope
Active engagement with stakeholders- Product/Sales/Credit/Digital/Data Science/IT/Operations/Collections/relevant fintech/ IT vendors
Enabling Best in Class End to End Digital Customer experience leading to business growth
Tracing out opportunities/ not in line with policy rules from the customer segments coming in
Discussing the data backed analysis with Credit Team/ Risk team and proposing relevant changes in the rules/ journey
Suggest process/ journey changes and draft process notes/ BRDs
Facilitating development/ modification of digital journeys by engaging with relevant stakeholders & BRE fintech/IT Vendors
Credit Lead for BRE migration, Testing BRE rules for new policies along with other stake holders
One product- one set of rules: Ensure standardisation of digital underwriting rules for Assisted digital and Online Digital journeys
MIS Automation by liaison with Data Science/Digital and IT Teams
Enabling enhanced Cross sell-Upsell for lending business
Work along with DS and Risk team for development and review of credit decisioning scorecards
SPOC for Digital Projects undertaken by CFAB Credit Team
Contactless (credit free including alternate data) loan sanction- 1/3rd contribution to each of the products, another 1/3rd to be with minimal Credit touch
Evaluation and implementation of cost effective processing tools e.g.- IDV across products
Forward thinking and at every possible step implementation of Human less processes
Drive better efficiency with Data Science team through Machine Learning Models
Review and Presentations to Senior management/ relevant forums
• Focus on decisioning of High Value cases for Business Loans and Loan Against Property across the country.
• Underwrite for all customer segments for Retail high value loan products and decide/ present to senior level for decisioning.
• Authorize deviations raised and documented by underwriters in compliance with credit policy.
• Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
• Manage end to end credit approval for all such high value cases from Pan-India which comes for decision from all Regions.
Education Qualification: Chartered Accountant
Experience: 10+ years of work experience in LAP and Business Loans Underwriting
/MBA/PGDBA/PGPM or Equivalent