Designation: Head – Credit
Department: Credit
Reporting To: Chief Executive Officer (CEO)
Location: Corporate Office
Industry: NBFC / Banking
Employment Type: Full-time

Experience
Preferred: 10 years in Credit / Underwriting / Credit Risk within NBFC, Banking or Financial Services.
Experience in an NBFC will be preferred.

The candidate should ideally have managed multi-product and multi-branch credit operations in roles such as:
- Head – Credit
- Zonal Credit Head
- Regional Credit Head
- National Credit Manager
- Senior Credit Risk Leader

Key Competencies
- Strong underwriting capability
- Financial and cash-flow analysis
- Secured and unsecured lending expertise
- Credit policy expertise
- Portfolio risk management
- Strong and independent decision-making
- Analytical and data-driven approach
- Ability to challenge Business teams constructively
- Strong leadership and people management
- High integrity and governance orientation
- Strong MIS and portfolio analytics
- Ability to balance growth with credit quality

Ideal Candidate Profile




The ideal candidate should be a strong and independent Credit leader who can manage the complete Credit function from the Corporate Office while working closely with the CEO and Leadership Team.

The role should deliver:
Quality: Strong underwriting and consistent credit decisions.
Control: Explicit policies, approval authority and deviation governance.
Speed: Efficient Credit TAT without compromising quality.
Portfolio Health: Low delinquency, controlled NPAs and early identification of risk.
Leadership: A strong, independent and scalable Credit organisation.
The Company is looking for a hands-on Credit Head who can support business growth while protecting portfolio quality through disciplined underwriting, strong analytics and independent credit decision-making.

Role Purpose
The Head – Credit will be responsible for the entire Credit function of the Company, including credit policy, underwriting, analysis, sanctioning, approval

📌 Hiring: Head Of Credit (Race Course)
🏢 Dhanam Investment And Finance (P
📍 Race Course