Role Purpose

The Credit Manager LAS & LAMF will be responsible for end-to-end credit underwriting, collateral risk management, portfolio monitoring, policy governance, margin management, and risk oversight for the Loan Against Securities and Loan Against Mutual Fund business.

The role will act as the custodian of the LAS/LAMF credit and risk framework, ensuring sustainable portfolio growth while maintaining asset quality, regulatory compliance, and operational controls. The individual will work closely with Business, Product, Operations, Technology, Legal, Compliance, and Risk teams to establish and scale the LAS/LAMF portfolio

Desired Candidate Profile

Qualification

- CA / MBA (Finance) / CFA / FRM / PGDM Finance or equivalent.
- NISM or capital market-related certifications preferred.

Experience

- 712 years of experience in Retail Credit, Secured Lending, Wealth Lending, LAS, LAMF, Margin Funding, Capital Market Lending, or Portfolio Risk Management.
- Experience in collateral-based lending and market-linked financial products.
- Solid understanding of capital markets, mutual funds, equity products, depository operations, and risk management.





Technical Skills

- Credit Underwriting
- Loan Against Securities (LAS)
- Loan Against Mutual Funds (LAMF)
- Collateral Management
- Margin Management
- Securities Pricing & Valuation
- Market Risk Assessment
- Portfolio Monitoring
- Credit Policy Formulation
- Stress Testing & Scenario Analysis
- Regulatory Compliance
- MIS & Analytics

Behavioural Competencies

- Strong analytical and decision-making ability.
- High attention to detail and risk awareness.
- Ability to operate in a dynamic market environment.
- Stakeholder management and influencing skills.
- Strong communication and presentation capabilities.

Reporting To

Head – Credit Risk / Chief Risk Officer

Success Metrics

- Portfolio quality and delinquency levels.
- Margin call and liquidation efficiency.
- Accuracy of collateral valuation and pricing.
- Portfolio risk within approved thresholds.
- Turnaround time for approvals.
- Audit and regulatory compliance.
- Sustainable portfolio growth and profitability.

📌 Credit Manager (Karnataka)
🏢 Jana Small Finance Bank
📍 Karnataka