Lead the credit underwriting function for the assigned zone, ensuring high-quality credit decisions, portfolio quality, and adherence to the organization's credit policies while supporting business growth in the Prime Home Loan segment.
Key Responsibilities
Manage end-to-end credit appraisal for Prime Home Loan proposals across the zone.
Assess customer repayment capacity, income, banking, financials, and property-related risks.
Review and approve loan proposals within delegated authority; escalate higher-value cases as per approval matrix.
Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
Drive portfolio quality by monitoring delinquency trends and recommending corrective actions.
Partner closely with Sales, Credit Operations, Legal, Technical, and Risk teams to ensure timely loan processing.
Conduct regular portfolio reviews and identify emerging credit risks.
Mentor and lead zonal credit teams to improve productivity and decision quality.
Support policy implementation and provide feedback for credit process improvements.
Monitor turnaround time (TAT) and ensure timely credit decisions.
Key Skills
Retail credit underwriting
Home Loan credit assessment
Income assessment (Salaried & Self-employed)
Financial analysis
Banking statement analysis
Property-backed lending
Risk assessment
Team management
Stakeholder management
Credit policy interpretation
Preferred Background
Experience in Banks, HFCs, NBFCs.
Exposure to Prime Housing Finance products.
Solid understanding of income programs, property evaluation, and mortgage regulations.