Senior Credit Leader

15 hours ago

Mumbai, Maharashtra, India beBeeCreditLeader Full time ₹ 1,50,00,000 - ₹ 2,00,00,000

The Role Overview

Job Summary:

We are seeking a senior leader to head our Central Credit unit, responsible for managing the underwriting operations of salaried profiles. This role entails overseeing the Head Office credit team and process quality team to ensure efficient credit monitoring, bureau reporting, vendor management, credit LOS development, and other critical credit functions.

Key Responsibilities:

  • Lead and manage the Central Credit unit focusing on centralized underwriting for salaried profiles.
  • Oversee the Head Office credit team and process quality team, including Credit Monitoring, bureau reporting, vendor management, credit LOS development, and co-lending activities.
  • Ensure adherence to credit policies, regulatory compliance, and quality standards in underwriting and credit processes.
  • Drive continuous improvement in credit operations, underwriting turnaround times, and process efficiencies.
  • Collaborate with stakeholders across functions to enhance credit decision-making frameworks and risk mitigation strategies.
  • Develop and implement credit LOS (Loan Origination System) and other technological solutions to streamline credit processes.
  • Manage vendor relationships to ensure quality and compliance in outsourced credit activities.
  • Monitor portfolio performance, identify risk trends, and implement corrective measures to safeguard asset quality.
  • Support co-lending initiatives and credit partnerships in line with business objectives.
  • Lead, mentor, and build a high-performing credit team aligned with organizational goals.

Qualifications & Experience:

  • A minimum 15+ years of experience in mortgage credit underwriting, preferably at zonal or national level.
  • Strong understanding of housing loan and SME loan credit underwriting, portfolio monitoring, and risk management.
  • Proven leadership experience managing large teams and complex credit operations.
  • In-depth knowledge of credit policies, regulatory environment, and best practices in mortgage lending.
  • Experience in credit process improvements, technology implementation, and vendor management.
  • Excellent analytical, communication, and stakeholder management skills.

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