Job Requirements
Role/ Job Title:
Regional Credit Manager - Secured Rural Loans

Function/ Department:
Retail Underwriting

Job Purpose:
This role entails management and maintenance of the quality of the credit portfolio pertaining to Rural Secured loans (home loans, Loan against property and wheels products) from origination to collections while ensuring alignment with Bank's credit risk appetite and the overall credit strategy. This role primarily has end-to-end accountability at the pre-sanction phase of the loan but is a part of the loan life cycle post disbursement in case of delinquency. It is a highly specialized role with interactions with key stakeholders and is a vital contributor to the organization's overall profitability and health.

Roles & Responsibilities:
- Provide recommendations regarding improvements and changes to the credit policies and procedures, documenting and circulating policies, to ensure that all requirements are fulfilled, and risks are mitigated while delivering a high-quality service to customers.




- Liaise with the Product Head to contribute to the design of new products and advise on roll out of other products.
- Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT.
- Employ tools such as automation and digitization to increase process efficiency.
- Conduct detailed analysis of delinquencies and recommend changes to the product teams.
- Ensure the successful adoption of internal compliances & regulatory framework across the business.
- Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation.
- Collaborate with Collections/business to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team to take corrective action through recent sourcing.
- Review

📌 Regional Credit Manager (Bengaluru)
🏢 IDFC FIRST Bank
📍 Bengaluru