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 customer-centric culture across teams.

6. Reporting & Stakeholder Management

- Prepare periodic MIS and analytical reports on credit performance, risk, and portfolio health.
- Present insights and recommendations to the CEO, Board, and regulatory authorities.
- Liaise with auditors, regulators, and external agencies for compliance reviews and risk assessments.

Skills & Competencies:

- Strong leadership and people management skills.
- Expertise in credit appraisal, underwriting, risk assessment, and policy development.
- Excellent analytical, problem-solving, and decision-making abilities.
- Deep knowledge of regulatory and statutory requirements in housing finance.
- Solid communication and stakeholder management skills.
- Strategic thinking with the ability to balance growth and risk.

Qualifications & Experience:

- Graduate/Postgraduate in Finance, Economics, Business Administration, or related field.
- 12–15 years of experience in housing finance, retail finance, or banking, with significant experience in credit, underwriting, risk, and policy roles.
- Proven experience in managing large credit portfolios and risk functions.

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📌 Head Of Credit (India)
🏢 Agrim Housing Finance
📍 India