Job DescriptionJob Purpose:
nTo 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.
nKey Responsibilities:
n1. Credit & Underwriting Oversight
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- Define and implement credit policies, underwriting guidelines, and approval frameworks for housing loans and allied products.n
- Monitor loan origination, appraisal, and sanction processes to ensure quality, accuracy, and compliance.n
- Approve high-value or complex credit proposals in line with delegated authority.n
- Continuously refine underwriting models, credit scoring, and risk assessment tools.n

n2. Risk Management
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- Identify, assess, and mitigate credit, operational, and portfolio risks across the organization.n
- Establish early warning systems to monitor portfolio quality, delinquencies, and potential NPAs.n




- Develop and implement risk management strategies, including credit risk appetite and limits.n
- Monitor and report key risk indicators (KRIs) to senior management and the board.n

n3. Policy Formulation & Governance
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- Develop, implement, and periodically review policies related to credit, underwriting, collections, and risk management.n
- Ensure policies are compliant with RBI/NHB regulations, industry best practices, and organizational objectives.n
- Provide guidance and training to teams on policy interpretation and compliance.n

n4. Portfolio Quality & Monitoring
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- Oversee portfolio monitoring, NPA management, and recovery strategies.n
- Analyze trends in delinquency, write-offs, and provisioning requirements.n
- Work closely with the Collections, Legal, and Operations teams to minimize risk exposure.n

n5. Leadership & Team Management
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- Lead, mentor, and manage teams in credit underwriting,

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