Job Profiles:-
Zonal Credit Managers
- Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections in the zone
- End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency across the zone
- Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
- Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
- Aim to optimize Credit Risk management to facilitate the business expansion plans on zonal level
- To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency




- Conduct detailed analysis of delinquencies and recommend changes to the product teams
- Ensure the successful adoption of internal compliances, regulatory framework across the business.
- Coordinate with internal audit and regulatory audit regarding their various requirements.
- Collaborate with Collections to drive down the net credit loss & delinquency metrics.
- Review and approve credit proposals given.
- Responsible for ensuring sound understanding of credit policy across all relevant levels.
- Product knowledge at market level and market segmentation is necessary.

📌 Zonal Credit Manager (Mumbai)
🏢 Muthoot Fincorp
📍 Mumbai