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 (Bihar)
🏢 Unity SFB
📍 Bihar