JOB DESCRIPTION – HEAD OF CREDIT

Designation: Head – Credit

Department: Credit

Reporting To: Chief Executive Officer (CEO)

Location: Coimbatore

Industry: NBFC

Employment Type: Full-time

Note: NBFC Experience Mandatory

Role Purpose

The Head – Credit will be responsible for the entire Credit function of the Company, including credit policy, underwriting, analysis, sanctioning, approval controls, portfolio monitoring and credit-risk governance across all lending products and branches.

Operating from the Corporate Office, the role will report directly to the CEO and work closely with the Leadership Team, Business, Risk, Operations, Collections, Legal, Compliance and Finance functions.

The objective is to support profitable business growth through strong underwriting, disciplined approvals, consistent policy application, fast turnaround times and high portfolio 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: Clear 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 robust, 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.

Key Responsibilities

1. Credit Strategy & Governance
- Develop and implement the Company’s overall Credit Strategy.
- Establish strong underwriting and approval standards.
- Ensure credit decisions balance growth, risk and profitability.
- Maintain independence of Credit from Sales and Business teams.
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📌 Head of Credit (Coimbatore)
🏢 Dhanam Investment And Finance (P
📍 Coimbatore