- Oversee the underwriting of the loans in the designated region.
- Lead a team of Credit Managers at a Cluster Level.
- Review the underwriting process and define process as per available resources and branch requirements.
- Credit decision for secured on organisation policies, processes and merits as per limits.
- Evolve underwriting norms customized to the local market needs and update the credit bulletins.
- Identify fraudulent practices and mitigate risk through changes in policy and process.
- Formulate and manage the technical evaluation process and policies in the region.
- Formulate and manage the legal evaluation process in the region.
- Appoint and manage external agents for verification process: Fraud investigation, Legal verification and technical evaluation.
- Co-ordinate with the recoveries team and generate business insights to mitigate risk
- Resource planning and management at hub for smooth running of operations.
- Set exposure limits and maintain total sanctioned amount in the region for customer segments and geographical areas.

📌 Cluster Credit Manager (Secured Business Loans) - Vizag (Guntur)
🏢 Hiranandani Financial Services
📍 Guntur