Regional Credit Lead
3 weeks ago
Agrim Housing Finance is seeking a highly experienced Regional Credit Lead to oversee the entire credit underwriting and approval process for affordable housing loans across designated regions. The successful candidate will ensure robust credit risk assessment, adherence to policies, minimizing Non-Performing Assets (NPAs), and enhancing credit quality while supporting business growth.
Key Responsibilities:- Credit Underwriting & Appraisal:
- Evaluate borrower applications, financial capacity, property valuation, and loan viability.
- Ensure compliance with credit policies and regulatory guidelines.
- Portfolio Management:
- Monitor the health of the regional loan portfolio, focusing on credit quality and loan performance.
- Analyze delinquency trends, identify root causes, and drive corrective measures to control NPAs.
- Policy Implementation:
- Implement company's credit and risk policies in the region.
- Ensure uniform adherence to credit processes and provide suggestions to improve credit policies.
- Team Leadership:
- Lead and mentor a team of Credit Managers/Analysts across multiple branches in the region.
- Conduct regular training sessions to enhance underwriting skills and credit acumen.
- Coordination with Sales & Operations:
- Work closely with the sales team to ensure business growth while maintaining credit discipline.
- Collaborate with operations for seamless loan processing and TAT optimization.
- Risk Management:
- Identify and mitigate credit risks proactively.
- Analyze high-risk cases and ensure escalations are managed appropriately.
- Reporting & Analysis:
- Generate and present reports on credit performance, approvals, rejections, and NPAs.
- Provide insights and recommendations for portfolio improvement to senior management.
- MBA (Finance), CA, or other relevant postgraduate qualifications.
- 10+ years of experience in credit underwriting, risk management, or portfolio management, preferably in affordable housing finance or NBFCs.
- Proficiency in credit appraisal systems, financial analysis tools, and MS Office.
Agrim Housing Finance offers a competitive salary package, including additional benefits such as comprehensive health insurance, retirement plans, and paid time off. If you are a seasoned professional with a passion for credit management, please submit your application.
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Regional Credit Director for Affordable Housing
3 weeks ago
Mumbai, Maharashtra, India Agrim Housing Finance Full timeJob Title: Regional Credit Director for Affordable HousingWe are seeking a seasoned professional to lead our credit team in overseeing and managing the entire credit underwriting and approval process for affordable housing loans across designated regions.
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