Job Description
Designation: Head – Credit
nDepartment: Credit
nReporting To: Chief Executive Officer (CEO)
nLocation: Corporate Office
nIndustry: NBFC / Banking
nEmployment Type: Full-time
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nExperience
nPreferred: 10 years in Credit / Underwriting / Credit Risk within NBFC, Banking or Financial Services.
nExperience in an NBFC will be preferred .
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nThe candidate should ideally have managed multi-product and multi-branch credit operations in roles such as:
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- Head – Creditn
- Zonal Credit Headn
- Regional Credit Headn
- National Credit Managern
- Senior Credit Risk Leadern

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nKey Competencies
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- Robust underwriting capabilityn
- Financial and cash-flow analysisn
- Secured and unsecured lending expertisen
- Credit policy expertisen
- Portfolio risk managementn
- Strong and independent decision-makingn
- Analytical and data-driven approachn
- Ability to challenge Business teams constructivelyn
- Strong leadership and people managementn
- High integrity and governance orientationn
- Strong MIS and portfolio analyticsn




- Ability to balance growth with credit qualityn

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nIdeal Candidate Profile
nThe 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.
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nThe role should deliver:
nQuality: Strong underwriting and consistent credit decisions.
nControl: Clear policies, approval authority and deviation governance.
nSpeed: Efficient Credit TAT without compromising quality.
nPortfolio Health: Low delinquency, controlled NPAs and early identification of risk.
nLeadership: A strong, independent and scalable Credit organisation.
nThe 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.
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nRole Purpose
nThe Head – Credit will be r

📌 Head of Credit (Kunnathur)
🏢 Dhanam Investment And Finance (P
📍 Kunnathur