Zonal Credit Manager

3 weeks ago

India Green Start Management Consultancy Full time

Green start Hiring Job Title: Zonal Manager – Credit Affordable Home Loans(ticket size 5-25 lakhs) Department: Credit Reporting To: National Manager – Credit Location: Chennai Age Group: Up to 40 years Team Size: Must have led a team of at least 30 members Role Overview Responsible for managing the end-to-end credit function for the zone, ensuring strong underwriting, adherence to credit policies, operational efficiency, and portfolio quality. The role covers customers with documented and undocumented income profiles within the housing finance segment. General Responsibilities - Lead the credit & underwriting function for the zone. - Implement and enforce credit policies, processes & guidelines. - Ensure full compliance with NHB norms, internal policies & TAT. - Review & refine credit policies relevant to affordable housing & informal income segments. Principal Accountabilities Strategic - Build and manage the zonal credit structure with decentralized assessment & centralized decision-making. - Maintain strong credit norms ensuring low delinquency and superior portfolio quality. Tactical - Oversee credit underwriting, risk assessment, fraud control & business support. - Conduct portfolio analytics, risk reviews & MIS reporting. - Improve workflows, credit processes, and system modules. - Drive enhancements in product design & credit programs. Supervisory / Operational - Manage high-volume credit operations across the zone. - Lead a team of 40+ credit, operations & support staff. - Maintain productivity, quality & TAT across branches. - Oversee loan operations, disbursements, banking & collection support. - Work closely with HO, Regional teams, Sales, Credit & Risk. - Manage LMS updates, customer service workflows & documentation controls. - Handle PDC/ECS/NACH/CKYC, EMI banking & daily/monthly reconciliations. - Monitor fund flows, liquidity planning, and working capital availability. - Drive operational excellence through automation & process re-engineering. Candidate Profile Education - CA / CWA / MBA–Finance / PGDM–Finance Experience - 15+ years in Credit, Underwriting, Credit Operations & Risk Assessment. - Strong exposure to NBFC / Housing Finance / Affordable Housing. - Must have 10–12+ years in NBFC handling small-ticket secured loans. - Mandatory: Experience leading a team of 40 or more. Skills - Strong leadership, people management & decision-making skills. - Experience across Sales support, Credit, Collections coordination, Operations & Customer Service. - Strong in analytics, system implementation, automation & process improvements. - Ability to drive digital initiatives and enhance internal efficiencies.

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