Senior Credit Policy Specialist

2 days ago

Mumbai, Maharashtra, India beBeeCreditPolicy Full time ₹ 1,04,000 - ₹ 1,30,878
Credit Policy Lead
Job Overview:

The successful candidate will be responsible for developing, reviewing and updating credit policies that align with risk appetite and market trends.

  • Develop, review and update credit policies 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 Leadership
  • 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 Oversight
  • Track portfolio quality – delinquency trends, bounce rates and early warning signals (EWS).
  • 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 Collaboration & Escalation
  • 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.
Key Requirements:
  • CA/MBA (Finance)/CFA preferred.
  • 12–20 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.
Essential 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.
Employment Benefits:

This is an excellent opportunity to work in a fast-paced environment with opportunities for professional growth and development.

Additional Information:

Please note that the above job description is not exhaustive and you will be expected to undertake other duties that fall within your remit.

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