Regional Credit Manager

Regional Credit Manager

Start Date

Starts  Immediately

CTC (ANNUAL)

Competitive salary Competitive salary

Experience

5 year(s)

5 year(s)

Apply By

Not Provided

Posted 1 day ago

Job

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About the job

Objective

To evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the LAP segment .Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk. Will be working in the capacity of Regional Role.

Key Responsibilties

• Credit Appraisal:
• Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.
• Policy & Compliance:
• Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.
• Income & Risk Assessment:
• Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.
• Portfolio Monitoring:
• Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.
• Process Efficiency:
• Collaborate with Operations and Sales to improve TAT and underwriting quality.
• Business Coordination:
• Work closely with Business Head, Sales, and Product teams to align growth with risk controls.
• Fraud & Risk Mitigation:
• Ensure field verifications, de-dupe checks, and property/legal due diligence.
• MIS & Analytics:
• Support credit governance with relevant MIS, dashboards, and portfolio insights.
• Training & Policy Communication:
• Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.

Required Skills

1. Experience: 58 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).
2. Qualification: Graduate / MBA / CA preferred.
3. Domain Expertise: Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.
4. Behavioral Skills: Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs

Earn certifications in these skills

Who can apply

Only those candidates can apply who:

1. have minimum 5 years of experience

Salary

Probation:

Duration:

Salary during probation:

After probation:

Annual CTC: Competitive salary

Number of openings

1

Editor’s note

Information above is Internshala's interpretation and paraphrasing of what we found on the shared link.

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