Regional Credit Manager

Key Responsibilities:

• Approve home loan and LAP proposals within delegated authority.
• Assess borrower eligibility, repayment capacity, collateral, and legal/technical reports.
• Ensure compliance with credit policies, regulatory guidelines, and risk framework.
• Monitor portfolio quality, delinquency trends, and recommend corrective actions.
• Partner with Sales, Operations, Legal, Technical, and Collections to balance growth with risk.
• Lead and mentor regional credit teams, ensuring productivity and turnaround time (TAT) targets.
• Review credit MIS, portfolio performance, and exception cases for senior management.
• Drive process improvements and standardization across the region.

Preferred candidate profile

• Qualified CA professional/ MBA is mandatory
• 1015 years of experience in Home Finance, HFCs, NBFCs, or Retail Banking.
• Minimum 3–5 years in a regional credit leadership role.
• Exposure in managing high yield cases.