Credit Officer

Company Description

Mahindra Rural Housing Finance Limited (MRHFL), a subsidiary of Mahindra Finance and part of the renowned Mahindra Group, is a leading name in housing finance in India. Established in 2007, MRHFL specializes in providing housing loan solutions across rural, semi-urban, and urban regions, supporting the vision of ‘Housing for All.’ With over 500 branches in 15+ states and metro cities, the company offers a diverse range of tailored financial products, from home loans to property construction and improvement loans. Guided by Mahindra Group’s ‘Rise’ philosophy, MRHFL focuses on empowering communities and enabling homeownership for millions of families across India.

Role Description

This is a full-time hybrid role for a Credit Officer, based in Badnawar, with some work-from-home flexibility. The Credit Officer will assess and approve loan applications, conduct credit appraisals, analyze financial data, and ensure compliance with company policies and guidelines. The role involves close evaluations of creditworthiness, monitoring loan disbursements, and maintaining strong communication channels with stakeholders. The Credit Officer will play a crucial part in ensuring the financial viability and risk management of lending decisions.

Qualifications

• Strong expertise in Credit Management and Credit Analysis
• Excellent Analytical Skills and proficiency in financial evaluation
• Understanding of Finance principles and lending operations
• Effective Communication skills for interfacing with clients and stakeholders
• Proficiency in documentation and adherence to compliance and regulatory standards
• Prior experience in the housing finance or banking sector is an advantage
• Bachelor’s degree in Finance, Accounting, Business Management, or related field