Job Application

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group's 125+year Legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.

The organization has been consistently recognized as a Great Place to Work receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India's Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.

Job Purpose - The role incumbent will be responsible for managing a team of credit managers along with end-to-end credit underwriting and disbursal of

business loans at CCU

Role -

• Managing the Unsecured Business Loan underwriting for multiple locations across regions
• Appraising proposals for Business Loan group, conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, ensuring compliance as per the organization's credit policies
• Adherence to policy while underwriting; supervising & controlling delinquencies
• Leading, mentoring & monitoring team performance to ensure efficiency in process and operations

Qualification & experience -

• Years of experience - 5+ years in BL underwriting and team management
• Mandatory Qualification - MBA-Finance/Chartered Accountant

Essential skills -

• In-depth knowledge of Financial & Credit Risk analysis
• Risk (credit/investment, operational, others) identification and mitigation skills
• Team Handling and management skills
• Ability to work in unstructured and evolving situations with an open mind
• Adhere to expected TAT without compromising on quality
• Taking initiatives, strong execution skills, forward thinking ability to anticipate hurdles
• Ability to understand customer needs and be responsive
• Technology skills - understanding of and working with existing market technologies in the industry

Nature of role - Team Handling role