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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 strong 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 credit teams and locations

What Makes You a Great Fit

- 12+ years of experience in credit, underwriting, risk management, or related functions within an NBFC or banking environment
- Strong experience managing credit portfolios across multiple states or a large regional territory
- Proven expertise in credit assessment, underwriting, portfolio monitoring, and risk mitigation
- Experience leading and mentoring credit teams with responsibility for performance and outcomes
- Strong understanding of credit policies, risk controls, compliance, and audit processes
- Demonstrated ability to balance business growth with portfolio quality and credit discipline
- Experience conducting branch, dealer, or portfolio-level credit audits
- Solid analytical and decision-making skills with the ability to identify emerging credit risks
- Excellent stakeholder-management and communication skills
- Ability to collaborate effectively with Sales, Collections, Operations, and senior leadership
- Strong understanding of regional markets across AP, Telangana, and Tamil Nadu
- Proficiency in Telugu and/or Tamil will be an advantage
- A proactive leadership style with strong ownership, integrity, and commercial judgment

📌 Zonal Credit Manager South (Hyderabad)
🏢 Weekday AI (YC W21)
📍 Hyderabad