You will be taken to Godrej Group’s own careers page to apply. Job ID P-101668.
Job description
Job Requirements About Godrej Industries Group (GIG) GIG is a holding company of the 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 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
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.
Work Experience 8–10 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.
