1. Scrutinizing financial aspects of customer profiles like their past credit history, business analytics, cash flows, etc.
2. Assessing creditworthiness and household requirements of customers
3. Calculating and analyzing key financial ratios to evaluate risk
4. Analyzing government schemes linked to housing finance and housing projects, and implementing as well as executing them in the loan sanctioning process
5. Coordinating with various departments like IT, Legal, Projects, etc. in order to be up to date with the current industry standards, market scenarios, and company processes
6. Evaluating and appraising a number of documents like valuation of properties, customer cibil score, income documents, real estate pricing, etc.
7. Traveling to meet new customers, facilitate efficiently as well as effective credit appraisals and understand the socio-economic scenarios across multiple geographical areas
Svatnatra Micro Housing Finance Corporation (an Aditya Birla Group Company): Founded in 2008, we are an affordable housing finance company with the sole focus of creating a meaningful social change by providing access to housing to the low-income households. We have built a suitable array of products that largely cater to an informal section of customers, those who do not have access to a formal banking set-up. To reach out to these customers we affiliate with affordable housing developers, retail channels, and microfinance institutions. However, our unique business model is governed by a stringent risk assessment framework, applicable to both customer and housing projects.
With our strong presence spread across the western, central, and eastern parts of India, we are able to strengthen our reach to underserved customers. Our strength is based on the customer-centric approach, further corroborated with strong technology.
