Regional Credit Manager

Job description

Role & 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 • 10-15 years of experience in Home Finance, HFCs, NBFCs, or Retail Banking. • Minimum 3-5 years in a regional credit leadership role.