Regional Credit Manager

2 weeks ago


Hyderabad, Telangana, India Credila Financial Services Limited Full time
Job Description
The Regional Credit Manager plays a crucial role in overseeing Area Credit Managers and Credit Managers at the location. This incumbent will lead Credit underwriting and Portfolio quality management for the region, responsible for all Underwriting decisions, approvals, deviations, and exception management.
Key Responsibilities:
Strategy
- Collaborate with the Chief Credit Officer to develop a Credit Underwriting vision and create credit and underwriting policies & processes.
- Partner with the location business head to craft a growth strategy for the company, emphasizing a healthy portfolio and minimal stress accounts/NPAs.
Maintaining Credit Quality
- Manage vendors for maintaining quality and TAT for all verification and validation.
- Regularly monitor and conduct sample checks on verification and vendor processes.
- Meet with loan borrowers and applicants for personal interaction based on the risk profile of cases.
- Conduct preliminary screenings of borrower profiles for maintaining input quality of the credit system.
- Perform first-level document checks for fraud prevention, data correction, and information completeness.
Implementation of Risk Management Tools, Initiate Processes Improvement, Automation, and Impart Training
- Adhere to credit decisioning parameters as per Credit Policy on loan proposals.
- Introduce new product and policy amendments based on local market experience.
- Implement automation and process improvements for better customer experience, while maintaining the organization's risk appetite.
- Provide structured training to internal teams and business associates on a regular basis.
Relationship Management, Customer Service, and Team Management
- Oversee the end-to-end credit approval process within agreed turnaround times (TATs) and be responsible for all underwriting decisions, approvals, deviations, and exceptions for the location.
- Collaborate with recoveries and analytics teams to generate business insights and improve the credit appraisal process.
- Identify and mitigate risks through regular portfolio monitoring and take timely decisions on exposure levels, collateral, etc.
- Effectively manage the location credit team and guide team members to take credit risk decisions aligned with the company's risk appetite.
- Ensure ongoing training and that all employees are suitably skilled and qualified for their roles.
Risk Management
- Ensure compliance with all relevant credit policies and procedures at the location.
- Identify, analyze, and propose mitigation measures for various risks applicable to the credit function at the location.
Skills:
  • Extensive Knowledge of retail loans preferably LAP or PL products
  • Hands-on experience of Credit buying, Field credit processes, People management skills
  • Excellent communications abilities in English and any regional language
  • Servicing ability in terms of processing TAT (Turnaround Time) and relationship management
  • Excellent interpersonal skills, Team player, and Motivator
Qualifications and Experience:
- CA, CFA, or MBA Finance
- 15-18 years of related work experience in the financial services sector

  • Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Job Description:The Regional Credit Manager is a critical role managing Area Credit Managers and Credit Managers at the location. The incumbent will lead the Credit underwriting and Portfolio quality management for the region and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the locationKey...


  • Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Job Description:The Regional Credit Manager is a critical role managing Area Credit Managers and Credit Managers at the location. The incumbent will lead the Credit underwriting and Portfolio quality management for the region and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the locationKey...


  • Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Job Description:The Regional Credit Manager is a critical role managing Area Credit Managers and Credit Managers at the location. The incumbent will lead the Credit underwriting and Portfolio quality management for the region and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the locationKey...


  • Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Job Description:The Regional Credit Manager is a critical role managing Area Credit Managers and Credit Managers at the location. The incumbent will lead the Credit underwriting and Portfolio quality management for the region and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the locationKey...


  • Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Job Description:The Regional Credit Manager is a critical role managing Area Credit Managers and Credit Managers at the location. The incumbent will lead the Credit underwriting and Portfolio quality management for the region and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the locationKey...


  • Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Job Overview:Credila Financial Services Limited is seeking a highly experienced Regional Credit Manager to join our team. This role involves leading Area Credit Managers and Credit Managers in the region, ensuring effective management of credit underwriting decisions, approvals, deviations, and exceptions.Responsibilities:Work closely with the Chief Credit...


  • Hyderabad, Telangana, India Skill Ventory Full time

    Roles and Responsibilities To Handle the Team of ACMs/BCMs. Underwriting and Decision of Home loan/loan against property files sourced by sales team. Maintaining TAT as per guidelines and taking case to decision point. Will manage the complete State with team. Assessment of borrowers profiles, repayment capacity and income stability. Understand and...

  • Credit Risk Lead

    6 days ago


    Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Role Summary:The Regional Credit Manager plays a pivotal role in managing Area Credit Managers and Credit Managers in the region. The incumbent will be responsible for making underwriting decisions, approvals, deviations, and exceptions at the location. This role requires strong leadership and communication skills to drive strategic initiatives and ensure...


  • Hyderabad, Telangana, India Credila Financial Services Limited Full time

    Job Description:Credila Financial Services Limited seeks a skilled Regional Credit Manager to lead our Area Credit Managers and Credit Managers in the region. As a critical member of our team, you will be responsible for managing underwriting decisions, approvals, deviations, and exceptions at the location.Key Responsibilities:Develop credit underwriting...

  • Credit Risk Manager

    5 days ago


    Hyderabad, Telangana, India idfc first bank Full time

    Job Summary:IDFC First Bank is seeking a highly skilled and experienced professional to fill the role of Regional Debt Manager. This individual will be responsible for managing a team and coordinating operational recovery activities for maintaining the credit portfolio of assigned regions.The successful candidate will have a strong background in debt...

  • Credit Manager

    3 weeks ago


    Hyderabad, Telangana, India Tata Mutual Fund Full time

    Job DescriptionJob DescriptionTo underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the...


  • Hyderabad, Telangana, India idfc first bank Full time

    Job Overview:IDFC First Bank seeks a seasoned professional to fill the role of Regional Debt Manager, responsible for managing a team and coordinating operational recovery activities for maintaining the credit portfolio of assigned regions.This is a challenging role that requires a strong leader with excellent analytical and communication skills. The...

  • Regional Manager

    3 weeks ago


    Hyderabad, Telangana, India Clay Capital Full time

    Job Title : Regional Manager - UnSecured Business LoansSTRICTLY FOR CANDIDATES WITH SME BANKING & DSA HANDLING EXPERIENCE - WITH UNSECURED LENDING/NBFC BACKGROUND.Qualifications :- Bachelors in commerce or MBA with Private banking, NBFC experience- A Solution seeking mindset & clarity of communication- Extremely good network of DSA'S/NBFC/Bankers and...


  • Hyderabad, Telangana, India New Venture Consultant Full time

    Company Overview">New Venture Consultant is a dynamic organization that aims to drive business growth and expansion in the assigned region. Our team is committed to achieving regional targets and goals, ensuring seamless operations, and fostering customer relationships.">Job Description">The ideal candidate will be responsible for planning and executing...


  • Hyderabad, Telangana, India HSBC Full time

    Some Careers grow faster than others. If you're looking for a career where you can make a real impression, join HSBC and discover how valued you'll be. HSBC is one of the largest banking and financial services organizations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive...

  • Credit Manager

    4 weeks ago


    Hyderabad, Telangana, India White Force Full time

    Job Description: Qualifications: Bachelor's degree in any field.Key Responsibilities: Maintain delinquency levels below 0.25% through strategic credit management practices. Make timely credit decisions and conduct Probability of Default (PD) and appraisal of caseswithin specified Turnaround Time (TAT). Conduct training sessions for Field...


  • Hyderabad, Telangana, India idfc first bank Full time

    Job Description:The role of Regional Debt Manager at IDFC First Bank requires a strong leader to manage a team and coordinate operational recovery activities for maintaining the credit portfolio of assigned regions. This entails administering corporate policies and procedures, ensuring front-end delinquencies are minimized, and establishing relationships...

  • Regional Lead

    4 weeks ago


    Hyderabad, Telangana, India IDFC FIRST Bank Full time

    Role/ Job Title: Regional Lead-First Wealth – Elite BankerJob Purpose:Regional Lead - Elite Banker Channel will be driving Elite Banker in the region to meet their objectives. He/she will be responsible for leading the RM agenda in the region and ensure following Engagement across products - Liabilities, On-boarding parameters, Retail Assets, Credit Cards,...


  • Hyderabad, Telangana, India IDFC FIRST Bank Full time

    Job Title: Regional Business ManagerAbout the Role:The Regional Business Manager will lead a team of Elite Bankers in achieving defined objectives. This role involves managing the Elite Banker channel and driving mobile banking adoption and usage. The incumbent will engage customers across various products, including Liabilities, Retail Assets, Business...


  • Hyderabad, Telangana, India Kotak Mahindra Bank Limited Full time

    Job OverviewKotak Mahindra Bank Limited seeks a seasoned Credit Management Professional to lead its Area Credit operations.This role involves managing a team of credit executives, overseeing portfolio quality, and fostering relationships with key customers and business partners.