Company Description ICICI Home Finance Company Limited (ICICI HFC) is one of the fastest growing home finance companies in India, focused on helping customers realize their dream of owning a home. In addition to home loans, ICICI HFC provides key financial services such as Fixed Deposits and Loans Against Property to support long-term financial planning. With over 200 branches, the organization emphasizes accessible, customer-focused service delivered by local experts.

ICICI HFC is committed to supporting individuals who may have found it difficult to obtain a home loan in the past, offering guidance and tailored solutions. The culture promotes trust, transparency, and customer care in every interaction.

Role Description The Territory Credit Manager is a full time, on-site role based in Delhi, responsible for overseeing credit decisions and risk management for a designated territory. This role involves evaluating and approving home loan and related credit applications, assessing customer profiles and documentation, and ensuring adherence to company credit policies and regulatory guidelines.

The Territory Credit

Manager will monitor portfolio quality, identify emerging risks, and implement corrective actions to maintain healthy asset quality. Daily tasks include coordinating with sales and operations teams, providing guidance on credit norms, resolving escalations,



and supporting branch staff with training on credit processes. The role also requires preparing periodic reports, analyzing territory performance, and contributing to process improvements that enhance customer experience and reduce credit risk.

Qualifications

- Candidates should possess strong Credit Management and Credit skills, with experience in evaluating and approving retail loan proposals.
- Candidates should possess solid Credit Risk Management and Analytical Skills to assess customer profiles, identify risks, and maintain portfolio quality.
- Candidates should possess foundational knowledge in Finance, including understanding of lending practices, regulatory norms, and financial documentation.
- Candidates should possess effective communication and interpersonal skills to collaborate with branch teams, support customers, and handle escalations.
- Candidates should possess strong attention to detail, integrity, and the ability to make prudent decisions under time constraints.
- Relevant experience in retail lending or housing finance and familiarity with local markets in Delhi or surrounding regions is preferred.
- A graduate degree in Finance, Commerce, Business Administration, or a related field is preferred; professional certifications in credit or risk management are an advantage.
- Education CA and MBA (Regular)
- Experience 3 to 6 year
- Fresher CA's

📌 Territory Credit Manager (Delhi)
🏢 ICICI Home Finance Company
📍 Delhi