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