Job Purpose:
To lead the organization’s credit, underwriting, risk, and policy functions, ensuring robust risk management, portfolio quality, regulatory compliance, and operational efficiency. The role combines strategic oversight with hands-on leadership of credit and risk processes to support sustainable business growth.
Key Responsibilities:
1. Credit & Underwriting Oversight
Define and implement credit policies, underwriting guidelines, and approval frameworks for housing loans and allied products.
Monitor loan origination, appraisal, and sanction processes to ensure quality, accuracy, and compliance.
Approve high-value or complex credit proposals in line with delegated authority.
Continuously refine underwriting models, credit scoring, and risk assessment tools.
2. Risk Management
Identify, assess, and mitigate credit, operational, and portfolio risks across the organization.
Establish early warning systems to monitor portfolio quality, delinquencies, and potential NPAs.
Develop and implement risk management strategies, including credit risk appetite and limits.




Monitor and report key risk indicators (KRIs) to senior management and the board.
3. Policy Formulation & Governance
Develop, implement, and periodically review policies related to credit, underwriting, collections, and risk management.
Ensure policies are compliant with RBI/NHB regulations, industry best practices, and organizational objectives.
Provide guidance and training to teams on policy interpretation and compliance.
4. Portfolio Quality & Monitoring
Oversee portfolio monitoring, NPA management, and recovery strategies.
Analyze trends in delinquency, write-offs, and provisioning requirements.
Work closely with the Collections, Legal, and Operations teams to minimize risk exposure.
5. Leadership & Team Management
Lead, mentor, and manage teams in credit underwriting, risk management, and policy.
Set performance targets, monitor KPIs, and drive accountability.
Promote a risk-aware, compliant, and

📌 Head of Credit (Mumbai)
🏢 Agrim Housing Finance
📍 Mumbai