Job Summary:

The State Credit Head is a senior leadership role responsible for overseeing and managing all credit-related activities within a specific state or region.

This position plays a critical role in ensuring the sound management of credit risk, maintaining portfolio quality, and driving profitable growth in alignment with the organization's credit policies and strategic objectives.

The State Credit Head will lead a team of credit professionals, provide expert guidance on complex credit proposals, and ensure compliance with all regulatory requirements.

Key Responsibilities:

- Develop and implement credit strategies and policies for the state, ensuring alignment with overall organizational goals and risk appetite.
- Oversee the entire credit lifecycle, including credit appraisal, underwriting, approval, monitoring, and recovery processes for various lending products.
- Manage and monitor the credit portfolio performance, identifying potential risks and implementing corrective actions to maintain asset quality and minimize non-performing assets.
- Lead, mentor, and develop a team of credit managers and analysts,



fostering a high-performance culture and ensuring continuous skill enhancement.
- Approve credit proposals within delegated authority limits and provide recommendations for proposals exceeding these limits to higher authorities.
- Ensure strict adherence to all internal credit policies, procedures, and external regulatory guidelines and compliance requirements.
- Collaborate closely with sales, business development, and operations teams to support business growth while maintaining credit quality standards.
- Conduct regular portfolio reviews, stress testing, and risk assessments to anticipate market changes and potential impacts on the credit portfolio.
- Represent the credit function in state-level management meetings, interacting with internal and external stakeholders, including auditors and regulators.
- Provide training and guidance to business teams on credit policies, product features, and risk mitigation techniques.
- Monitor economic and industry trends impacting the state's credit workplace and adjust strategies accordingly.

📌 State Credit Head - Delhi NCR (India)
🏢 Ghrig People Solutions
📍 India