Job Description

Credit Underwriting & Approval
• Evaluate and approve loan proposals within delegated authority limits for secured and unsecured products.
• Assess borrower repayment capacity, property valuation, income estimation, banking behavior, bureau reports, and overall creditworthiness.
• Conduct detailed risk analysis for Micro LAP and MFI lending cases.
• Ensure compliance with internal credit policies, underwriting guidelines, and regulatory requirements.
• Recommend policy deviations and exceptions with proper risk justification.
Portfolio Risk Management
• Monitor portfolio performance across branches and regions within the zone.
• Analyze delinquency trends, roll rates, collection efficiency, and NPA indicators.
• Identify early warning signals and recommend corrective actions.
• Drive portfolio quality improvement initiatives to maintain acceptable risk levels.
Team Management & Supervision
• Lead and mentor Regional Credit Managers, Area Credit Managers, and Credit Officers.
• Ensure consistent credit assessment standards across the zone.
• Conduct periodic performance reviews and capability-building initiatives.
• Establish solid coordination between Credit, Business, Operations, Legal, and Collection teams.
Credit Audit & Compliance
• Ensure adherence to KYC, AML, Fair Practice Code, RBI guidelines, and internal audit requirements.




• Review branch-level underwriting quality and compliance processes.
• Conduct regular credit quality audits and field reviews.
• Address audit observations and implement corrective measures.
Secured Micro LAP Assessment
• Evaluate property ownership, legal documents, technical valuation, and collateral enforceability.
• Review business cash flows, banking transactions, and borrower income assessments.
• Ensure adequate collateral coverage and risk mitigation.
MFI Unsecured Lending Assessment
• Monitor group lending methodologies and borrower eligibility.
• Evaluate household income, indebtedness, repayment behavior, and bureau responses.
• Ensure compliance with applicable microfinance regulations and responsible lending practices.
Stakeholder Management
• Collaborate with Business Heads to achieve growth targets without compromising credit quality.
• Support product development and policy enhancement initiatives.
• Present portfolio insights and risk reports to senior management.
MIS & Reporting
• Prepare zonal credit MIS, portfolio dashboards, approval trends, and risk analytics.
• Track productivity, TAT, portfolio performance, and exception cases.
• Submit periodic reports to senior leadership.
• Assist and provide requirement for product enhancement or requirement for LOS/LMS

Key Responsibilities:

📌 Zonal Credit Manager (Motihari)
🏢 Unity SFB
📍 Motihari