1. Credit Risk Management:
• Lead and manage the credit assessment process within zone, ensuring timely and accurate credit decisioning for various financing applications.
• Develop, implement and enforce robust credit policies and procedures specifically aligned with regulatory standard and company guidelines.
• Monitor and manage credit exposure within the assigned zone.

1. Team Management and Leadership:

• Lead, mentor, and manage a team of credit professionals ensuring adherence of credit underwriting guidelines.

• Provide guidance and support to ensure effective credit decision-making across the zone.

• Collaborate closely with various departments including sales, operations & collection to streamline credit processes and achieve business objective.

1. Quality Portfolio Management:

• Evaluate files, assess the credit worthiness of borrower and make informed recommendation based on risk analysis and business viability within mortgages & home loan segment.

• Conduct regular analysis of the housing finance portfolio within the zone.

• Identify trends and areas of improvement in credit performance.

• Prepare and present regular reports on credit metrics, portfolio quality, and risk exposure.

• Provide insights to senior management for strategic decision-making.

1. Process Optimization:

• Identify opportunities for process improvements and implement best practices.

• Stay updated on industry trends and innovations in credit risk management.

• Maximize productivity of the team and minimize TAT as per norms

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Role

Credit Head

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Key Skills

Credit risk Management, Team Management & Leadership ,Credit Underwriting

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Qualification

graduate/ PG

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Salary

As per market standard