Cluster Credit Manager - Affordable Housing Finance

Job Summary

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 organisationcredit 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.

Experience

• 8-10 years.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.