Zonal Credit Manager

15 hours ago

tamil nadu, India Green Start Management Consultancy Full time

Green start HiringJob Title: Zonal Manager – Credit Affordable Home Loans(ticket size 5-25 lakhs)Department: CreditReporting To: National Manager – CreditLocation: ChennaiAge Group: Up to 40 yearsTeam Size: Must have led a team of at least 30 membersRole OverviewResponsible 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 ResponsibilitiesLead 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 AccountabilitiesStrategicBuild and manage the zonal credit structure with decentralized assessment & centralized decision-making.Maintain strong credit norms ensuring low delinquency and superior portfolio quality.TacticalOversee 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 / OperationalManage 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 ProfileEducationCA / CWA / MBA–Finance / PGDM–FinanceExperience15+ 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.SkillsStrong 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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