- Lead and manage the credit underwriting function for the assigned area across multiple branches.
- Evaluate and approve credit proposals within delegated authority as per the company's credit policy.
- Ensure quality assessment of loan applications through detailed financial, business, and risk analysis.
- Conduct customer visits and field investigations for high-value and critical loan cases.
- Monitor portfolio quality, delinquency trends, and early warning signals to minimize credit losses.
- Ensure adherence to credit underwriting standards, regulatory guidelines, and internal risk management policies.
- Provide guidance and support to Branch Credit Managers and Credit Officers for effective credit decision-making.
- Review PDD (Post Disbursement Documents) compliance and ensure timely closure of pending cases.
- Coordinate with Business, Operations, Collections, and Risk teams to achieve business objectives while maintaining portfolio quality.
- Analyze market trends, industry developments, and competitive practices to strengthen credit evaluation processes.
- Monitor audit observations and ensure timely closure of credit-related compliance gaps.
- Drive process improvements and implement best practices to enhance credit efficiency and turnaround time.
- Prepare and present periodic portfolio reviews, risk reports, and credit MIS to senior management.
Preferred candidate profile
- Proven experience in credit underwriting of Retail Asset products, preferably in NBFCs or private sector banks.
- Understanding of local business and micro economy
- Keen understanding and focus on risk, controls, compliance and regulatory framework
- Strong analytical & communication skills (written & verbal)
- Preferably CA/ ICWA/ MBA Finance / PG - Commerce)
- Ability to build, coach and mentor high performance oriented teams. Should have positive knowledge of Risk Related to Business.
- Good client servicing skills. Good financial analytical skills, communication skills.
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.