01Overview
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 qualified/ 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. .
