RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA

Axis Bank
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📍 Lucknow, IndiaRegular

About this role

About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes
About the Role
CPC Credit underwriting managers manages core underwriting activities at the Credit Processing Centres. Credit Processing Associates would be reporting.
Key Responsibilities
  • Monitor Turnaround Time (TAT) from Login to Sanction for Asha Loan cases to ensure timely decisioning.
  • Validate data entry accuracy and ensure all borrower details, financial inputs and FI findings are correctly captured in systems.
  • Assess and underwrite proposals using Asha-specific evaluation techniques including informal income assessment, surrogate programs and field validation reports.
  • Take credit decisions in line with policy guidelines, risk frameworks and deviation approval mechanisms.
  • Ensure adherence to audit, compliance and policy requirements, avoiding repeat audit observations.
  • Coordinate with FI agencies, technical vendors and internal teams to obtain necessary inputs for effective underwriting.
  • Provide continuous feedback on process gaps, policy changes and underwriting challenges specific to Asha segment.
  • Participate in training initiatives, process improvements and pilot programs for enhancing underwriting efficiency.
  • Manage stakeholder interactions with Business, Operations and Vendors for seamless case processing.
  • Contribute ideas for process enhancements, automation opportunities and cost efficiencies.
Qualifications

Optimal qualification for success on the job is:

  • Graduate / Post- Graduation (MBA/ CA preferred)
  • Experience in retail credit with team handling.
Role Proficiencies:

For successful execution of the job, the candidate should possess:

  • Knowledge of credit, industry and product trends
  • Knowledge of regulatory guidelines and norms
  • Good communication (both verbal and written) skill in both English and the local language

Frequently Asked Questions

Is the salary disclosed for the RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA position at Axis Bank?
The salary for this RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA role at Axis Bank is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA position at Axis Bank located?
This RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA role at Axis Bank is based in Lucknow, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA role at Axis Bank full-time or part-time?
This is listed as a Regular position. It is posted as a RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA role at Axis Bank.
How do I apply for the RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA position at Axis Bank?
Click the "Apply Now" button on this page. You will be redirected to Axis Bank's official application portal hosted on ripplehire where you can submit your application directly.
When was the RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA job at Axis Bank posted?
This RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA position at Axis Bank was posted on Sep 17, 2026. Apply as soon as possible — early applications are often reviewed first.
RC:Decentralized UW - Mortgages Credit- Credit Manager-ASHA
Axis Bank
Apply for this role ↗

You'll be redirected to Axis Bank's official application page on ripplehire.