We are seeking an experienced

Head – Credit to lead our overall Credit function. In this strategic leadership role, you will oversee credit underwriting, policy creation, risk assessment, sanctioning, portfolio quality, and credit controls, while mentoring a high-performing team to support sustainable business growth.

Key Responsibilities

- Strategic Credit Leadership:

Lead end-to-end credit appraisal, underwriting, and risk management operations across all branches.

- Underwriting &
- Sanctioning:

Oversee approval for

LAP, Mortgage, and secured lending proposals. Evaluate LTV, FOIR, DSCR, bureau profiles, property collateral, and high-value deviation cases.

- Policy &

- Risk Management:

Formulate and review Credit Policies, SOPs, and deviation frameworks. Monitor portfolio health, early warning indicators, and delinquency trends to mitigate risk.

- Process &

- Portfolio Efficiency:

Track key credit indicators (TAT, sanction-to-disbursement ratios,



rejection rates) and drive process automation and digital underwriting.

- Stakeholder &

- Team Alignment:

Partner with Sales, Operations, Risk, Legal, and Collections teams. Mentor and manage the credit team, defining KRAs and training pipelines.

- Governance &

- Regulatory Compliance:

Ensure full compliance with RBI regulations, internal controls, and support internal/external audit closures.

Key Requirements

- 12–18+ years of progressive experience in Credit, Underwriting, and Credit Risk within an

NBFC, HFC, Bank, or Financial Institution

.

- Deep expertise in

LAP, Mortgages, Home Loans, and property-backed secured lending

.

- Proven track record in managing large-scale credit operations, policy implementation, and multi-location credit teams.

📌 National Credit Head - LAP - NBFC (Noida)
🏢 RANDSTAD INDIA
📍 Noida