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

• Ensure smooth functioning across zones by meeting productivity benchmarks and defined TATs for Asha Loan underwriting across regions.
• Oversee quality of credit decisions and portfolio performance across regions, ensuring alignment with Asha-specific underwriting frameworks.
• Drive consistency in credit decisions across regions by guiding RCMs on interpretation of policy, deviations and risk assessment in informal segments.
• Monitor portfolio health (FPD, delinquency trends, segment-wise risk indicators) and initiate zonal corrective strategies.
• Ensure adherence to audit, policy and compliance standards across all regions.
• Work closely with CO, Risk and Business teams to design and refine Asha underwriting norms and risk controls.
• Drive process efficiencies, digital adoption and participation in pilot initiatives specific to Asha Loans.
• Support expansion to new geographies and channels with controlled risk approach.
• Manage stakeholder relationships across Credit, Business, Ops and Risk functions to ensure alignment on growth vs quality.
• Lead capability building of Regional Credit Managers and ensure succession readiness.
• Drive team engagement, productivity and attrition management across zones.

• Graduate / Post- Graduation (MBA/ CA preferred) from good institute
• Experience in retail credit with team handling.

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
• Team handling experience
• Ability to handle Pressure and meet deadlines.