Regional Credit Head
7 days ago
Job Description
1-Lead and manage the credit underwriting function across the assigned region
2-Evaluate and approve loan proposals within defined authority limits across product lines (Education Loans, School Funding, etc.)
3-Ensure adherence to credit policy, underwriting standards, and compliance guidelines
4-Drive consistent portfolio quality by maintaining acceptable delinquency and loss metrics
5-Collaborate closely with Sales, Operations, Legal, and Risk teams to ensure smooth processing and disbursement
6-Maintain strong vigilance on high-value proposals and monitor key accounts
Support audits, internal reviews, and regulatory compliance requirements
7-Provide timely MIS, analytical insights, and feedback to the zonal leadership on credit trends
Key Responsibilities:
1-Proven expertise in financial analysis, risk management, high ticket proposal
2-8-12 years of proven experience in credit with exposure in education loan, institutional lending, LAP, SME etc
3-Strong understanding of credit processes, legal documentation, and regulatory norms
4-Excellent stakeholder management and communication skills
5-Data analysis & MIS reporting
6-Regulatory compliance & internal audit readiness
7-Financial statement analysis (P&L, BS, cash flows)
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