Job Requirements Role/ Job Title: Regional Credit Manager - Secured Rural Loans

Function/ Department: Retail Underwriting

Job Purpose: This role entails management and maintenance of the quality of the credit portfolio pertaining to Rural Secured loans (home loans, Loan against property and wheels products) from origination to collections while ensuring alignment with Bank's credit risk appetite and the overall credit strategy. This role primarily has end-to-end accountability at the pre-sanction phase of the loan but is a part of the loan life cycle post disbursement in case of delinquency.

It is a highly specialized role with interactions with key stakeholders and is a vital contributor to the organization's overall profitability and health.

Roles & Responsibilities:

- Provide recommendations regarding improvements and changes to the credit policies and procedures, documenting and circulating policies, to ensure that all requirements are fulfilled, and risks are mitigated while delivering a high-quality service to customers.
- Liaise with the Product Head to contribute to the design of new products and advise on roll out of other products.
- Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT.
- Employ tools such as automation and digitization to increase process efficiency.
- Conduct detailed analysis of delinquencies and recommend changes to the product teams.
- Ensure the successful adoption of internal compliances & regulatory framework across the business.




- Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation.
- Collaborate with Collections/business to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team to take corrective action through current sourcing.
- Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy.
- Coordinate and monitor the internal teams as well as external vendors to implement the policies and to work towards reducing the TAT.

Secondary Responsibilities:

- Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
- Champion the adoption of high-quality market intelligence and data analytics to meet the bank's growth and profitability objectives.
- Keep abreast with global market trends and competitor strategies in key markets.
- Spearhead initiative to reduce operational costs and drive strategies to increase profitability.

Education Qualification: Graduation: Bachelor of Science (B.Sc.) / Bachelor of Technology (B.Tech) / Bachelor of Computer Applications (BCA)/Bachelor of Commerce(B.Com)/Bachelor of Business Administration(BBA) Post-graduation: MBA/PGDM

Experience: 5-10 Years of Experience

📌 Regional Credit Manager - Rural Secured Loans (Bengaluru)
🏢 IDFC FIRST Bank
📍 Bengaluru