Location: Jaipur, India

Role Summary

We are looking for adynamic and strategic leader to take on the role of Head of Credit for ourUnsecured Assets Business. This pivotal position is responsible for managingthe entire credit lifecycle for our unsecured products, including PersonalLoans, Credit Cards, and Consumer Durable Loans. You will be responsible fordeveloping and implementing robust credit underwriting policies, managingportfolio quality, and ensuring a healthy balance between business growth andrisk control.

The ideal candidate will possess deep expertise in unsecuredlending, a strong command of credit risk principles, and the ability to lead alarge team of credit professionals in a fast-paced environment.

Key Responsibilities

Credit Policy Underwriting: Formulate, review, and continuously refine the credit underwriting policies andprocedures for all unsecured loan products to align with the bank's riskappetite.

Risk Management: Own the credit qualityof the unsecured portfolio. Proactively identify, measure, and mitigate creditrisks through effective policy changes, portfolio monitoring, and early warningsystems.

Portfolio Oversight: Continuously monitorportfolio performance, analyzing key risk indicators (KRIs) such as delinquencyrates, loss rates, and portfolio yield. Present findings and strategicrecommendations to senior management.

Process Excellence: Drive efficiency andeffectiveness in the credit underwriting process by leveraging technology,automation, and data analytics. Ensure adherence to defined Turnaround Times(TAT) without compromising on credit quality.

Regulatory Compliance:



Ensure strict adherenceto all internal credit policies and external regulatory guidelines set forth bythe RBI and other relevant bodies.

StakeholderCollaboration: Collaborate closely with the Business, Sales, Operations, andAnalytics teams to achieve business targets while maintaining a prudent riskframework.

Team Leadership: Lead, mentor, andmanage a geographically dispersed team of credit managers and underwriters.Foster a solid credit culture based on integrity, diligence, and soundjudgment.

Current Product Development: Act as the creditsubject matter expert for the launch of new unsecured products, defining thecredit policy and process from the ground up.

Required QualificationsSkills

Educational Background: CA or MBA (Finance)from a premier institution.

Experience: 15+ years ofprogressive experience in credit risk management, with at least 7 years in aleadership role managing credit for unsecured products (Credit Cards, PersonalLoans) in a bank or leading NBFC.

Domain Expertise: In-depth knowledge ofunsecured lending, including risk assessment frameworks, financial analysis,fraud detection, and collections strategies.

Analytical Mindset: Strong analyticalskills with the ability to interpret data, identify trends, and make sound,data-driven decisions.

Leadership Skills: Exceptional leadershipand team management skills with a proven ability to manage large teams.

Business Acumen: A commercial mindsetwith the ability to balance risk and reward to drive profitable businessgrowth.

Communication Skills: Excellent interpersonal, communication, and negotiation skills to effectivelyinteract with

📌 Lead - Data Analytics (Jaipur)
🏢 AU Small Finance Bank
📍 Jaipur