Regional Credit Manager - Lap , Home loan , Business Loan

Job description

Roles and Responsibilities • Manage a team of Cluster Heads to evaluate mortgage loans, housing loans, business loans, and LAP (Loan Against Property) applications. • Review credit appraisals and assessments to determine loan eligibility criteria. • Develop and maintain relationships with key stakeholders including developers, builders, and other industry professionals. • Ensure compliance with regulatory requirements and internal policies related to credit underwriting. • Identify potential risks and implement strategies to mitigate them. Desired Candidate Profile • 10-12 years of experience in regional credit management roles for mortgage loans, housing loans, business loans, or LAP. • CA qualification preferred but not mandatory; MBA/PGDM degree from a reputed institution required. • Strong understanding of financial statements analysis, cash flow modeling, debt servicing calculations, and risk assessment techniques.