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Experience: 12+ yrs

Location: Hyderabad, Telangana, India

Job Type: Full-time

We are looking for an experienced Zonal Credit Manager – South Zone to lead credit risk, underwriting, and portfolio quality across Andhra Pradesh, Telangana, and Tamil Nadu. Based in Hyderabad, this role will be responsible for maintaining robust underwriting standards, ensuring effective credit governance, monitoring portfolio performance, and leading a team of credit professionals.

The ideal candidate will bring extensive experience in NBFC or banking credit and underwriting, strong regional portfolio-management capabilities, and the ability to balance business growth with disciplined risk management.

Requirements

Key Responsibilities
- Own credit risk and underwriting across Andhra Pradesh, Telangana, and Tamil Nadu.
- Lead, mentor, and develop a team of six credit professionals.
- Establish and maintain strong underwriting standards across the zone.
- Monitor portfolio quality,



credit performance, delinquency trends, and emerging risks.
- Identify portfolio-level risks and drive timely corrective and preventive actions.
- Partner closely with Sales, Collections, Operations, and Business teams to balance growth objectives with credit discipline.
- Review and evaluate complex or high-value credit proposals and provide appropriate recommendations.
- Conduct regular branch and dealer credit audits to ensure adherence to policies and processes.
- Ensure compliance with established credit policies, risk controls, and regulatory requirements.
- Identify gaps in underwriting practices and recommend improvements to strengthen portfolio quality.
- Provide zonal market and portfolio insights to contribute to national credit policy and strategy.
- Track key credit metrics and prepare regular reports for senior management.
- Drive consistency, accountability, and best practices across cre

📌 Zonal Credit Manager South (Hyderabad)
🏢 Weekday AI
📍 Hyderabad