SVP Credit Home loan

4 weeks ago

Mumbai, Maharashtra, India Skillventory Full time
Job Description

Key Responsibilities:

Credit Policy & Risk Framework

- Develop, review, and update credit policies for home loans in alignment with risk appetite and market trends.
- Define credit parameters, scorecard logic, documentation standards, and exception handling processes.
- Ensure credit risk policies are compliant with RBI/HFC/NBFC guidelines and internal audit requirements.

Credit Appraisal & Underwriting

- Approve high-ticket home loan proposals (within delegated authority limits).
- Oversee underwriting quality across branches, regions, and central credit hubs.
- Analyze financials, property-related risks, customer profiles, and repayment capacities.
- Monitor portfolio segmentation based on risk tiers and modify approval norms accordingly.

Portfolio Management & Risk Monitoring

- Track portfolio quality delinquency trends, bounce rates, early warning signals (EWS), etc.
- Lead credit stress testing and exposure analysis for various segments (salaried, self-employed).
- Maintain a balance between portfolio growth and risk control.

Team Leadership & Governance

- Manage and mentor regional/cluster credit heads and central underwriting teams.
- Ensure TAT (turnaround time) SLAs are met without compromising credit quality.
- Conduct regular credit training sessions for teams and sales counterparts.

Stakeholder Management

- Collaborate with Product, Legal, Technical, Risk, Collections, and Sales teams to ensure seamless credit operations.
- Represent credit function in internal audits, compliance reviews, and management meetings.
- Escalate credit risks to senior leadership with actionable insights.

Qualifications:

- CA / MBA (Finance) / CFA preferred
- 1220 years of experience in credit underwriting preferably in Home Loans / Mortgage Lending
- Strong understanding of credit policies, income assessment models, property and legal due diligence

Key Skills:

- Deep knowledge of housing finance industry, real estate markets, and property laws
- Analytical mindset with strong financial acumen
- Leadership and team management
- Decision-making under pressure
- Excellent communication and stakeholder coordination
- Familiarity with credit bureau reports, scoring models, and digital underwriting tools

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