Our Client:

NBFC building a technology-enabled, compliance-first lending business across secured and unsecured loan products.

As we expand our branch network and distribution channels, we are strengthening our team with driven professionals who can build scalable, disciplined processes.

Role Summary

The Credit Head will own the credit underwriting function for client ensuring sound credit decisions, healthy portfolio quality, and effective turnaround times across secured and unsecured loan products.

Key Responsibilities
Design and own the credit policy and underwriting guidelines across loan products
Lead the credit appraisal process, ensuring quality decision-making within defined TAT
Build and manage a team of credit managers/underwriters across branches/regions
Conduct personal discussions, financial assessment, and risk evaluation for high-value/complex cases
Coordinate with Risk and Collections teams to monitor early delinquency trends linked to underwriting quality
Ensure adherence to RBI guidelines, KYC/AML norms, and internal credit policies in all approvals




Review and refine credit scorecards, bureau checks, and fraud-check processes periodically
Partner with the Business team to balance disbursement growth with portfolio quality
Conduct periodic audits of credit files to ensure documentation and policy compliance
Report credit quality metrics, approval/rejection trends, and portfolio health to leadership

Requirements & Qualifications
Graduate/MBA/CA preferred
8+ years of experience in credit underwriting within an NBFC, Bank, or HFC
Solid understanding of secured and unsecured lending credit norms and documentation
Experience building/leading a credit team and managing multi-location underwriting
Sound knowledge of RBI regulatory requirements relevant to credit and underwriting

Key Skills
Credit appraisal and underwriting
Portfolio risk monitoring
Team leadership across locations
Policy design and compliance
Financial and risk analysis

Required Skill Profession

Operations Specialties Managers

📌 Credit Head New Delhi (India)
🏢 Important Company of the Sector
📍 India