Loan Officer

Company Description India Shelter Finance Corporation Ltd. (ISFC) is an affordable housing finance company operating across 15 states in India, focused on serving self-employed customers with informal income documentation. The company provides financing for new home purchases, home expansion and upgrades, home construction on owned land, and loans against property, primarily for middle- and lower-income segments. ISFC has built a streamlined, hassle-free loan management process designed to be simple and accessible for an average earning citizen. With loan offerings up to Rs 30 lakhs, the organization aims to help individuals achieve the goal of owning a home. The head office is located in Gurugram, Haryana.

Role Description This is a full-time, on-site Loan Officer role based in Ayodhya. The Loan Officer will identify and engage prospective customers, explain loan products, and assist applicants in completing documentation for housing and property-backed loans. The role involves evaluating creditworthiness, conducting field visits and verifications, and preparing loan proposals in line with company policies. The Loan Officer will coordinate with underwriting and operations teams to ensure timely approvals and disbursements, while maintaining accurate records and compliance with internal and regulatory guidelines. The role also includes providing ongoing customer support, resolving queries, and promoting responsible borrowing to strengthen long-term relationships.

Qualifications

• Strong understanding of loan officer responsibilities, including loan origination and portfolio management.
• Knowledge of finance principles and practical exposure to retail lending or housing finance.
• Experience or familiarity with underwriting processes, credit assessment, and risk evaluation.
• Customer service skills, with the ability to communicate clearly, build trust, and manage customer expectations.
• Ability to work on-site in Ayodhya, conduct field visits, and interact with self-employed customers.
• Good numerical, analytical, and documentation skills; attention to detail and integrity in handling customer information.
• Proficiency in basic computer applications and digital tools used for loan processing.
• Undergraduate degree in finance, commerce, business, or a related field preferred; relevant experience in housing or MSME lending is an advantage.
• Comfort with local language and regional market conditions; willingness to adhere to company policies and regulatory requirements.