01Overview
Zonal Credit Manager (Prime Home Loans)
Role Purpose
Lead the credit underwriting function for the assigned zone, ensuring high-quality credit decisions, portfolio quality, and adherence to the organization's credit policies while supporting business growth in the Prime Home Loan segment.
Key Responsibilities
- Manage end-to-end credit appraisal for Prime Home Loan proposals across the zone.
- Assess customer repayment capacity, income, banking, financials, and property-related risks.
- Review and approve loan proposals within delegated authority; escalate higher-value cases as per approval matrix.
- Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
- Drive portfolio quality by monitoring delinquency trends and recommending corrective actions.
- Partner closely with Sales, Credit Operations, Legal, Technical, and Risk teams to ensure timely loan processing.
- Conduct regular portfolio reviews and identify emerging credit risks.
- Mentor and lead zonal credit teams to improve productivity and decision quality.
- Support policy implementation and provide feedback for credit process improvements.
- Monitor turnaround time (TAT) and ensure timely credit decisions.
Key Skills
- Retail credit underwriting
- Home Loan credit assessment
- Income assessment (Salaried & Self-employed)
- Financial analysis
- Banking statement analysis
- Property-backed lending
- Risk assessment
- Team management
- Stakeholder management
- Credit policy interpretation
Preferred Background
- Experience in Banks, HFCs, NBFCs.
- Exposure to Prime Housing Finance products.
- Solid understanding of income programs, property evaluation, and mortgage regulations.
Experience Range - 10+ years Age - 42 Years
Job location Bangalore .
