About the Company
Credila Financial Services Limited is India's largest education-focused NBFC, providing tailored education financing solutions to students pursuing higher education in India and globally. Founded in 2006, Credila has funded over 268,000 students across 70+ countries, manages an AUM of ₹51,444 crore, and holds over 20% market share in the education loan segment. The company combines deep education-sector expertise, technology-driven processes, and robust risk management to enable students to access world-class educational opportunities.

Job Description
The Regional Credit Manager has a critical role in managing Credit Managers at the location. The incumbent will lead Credit underwriting and Portfolio quality management and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the location. Key roles and responsibilities Strategy
• Work with the Chief Credit Officer in planning Credit Underwriting vision along with creating credit and underwriting policies & processes
• Work with the Chief Credit Officer in conceiving and executing automation and AI projects related to Credit Underwriting processes
• Partner with business heads to develop a growth strategy for the company with emphasis on maintaining a healthy portfolio and minimal stress accounts/NPAs Maintaining Credit Quality
• Managing respective vendors for maintaining quality and TAT for all verification and validation
• Monitoring and doing consistent sample checks on verification and vendor processes
• Screening borrower profiles for maintaining the input quality of credit system. Implementation of risk management tools, Initiate processes Improvement and Impart training
• Adherence to credit decisioning parameters as per Credit Policy on loan proposals




• Initiate new product and policy amendments based on local market experience.
• Initiate and Implement process improvements for better customer experience while maintaining the organization’s risk appetite.
• Deliver structured training regularly to both internal teams and business associates. Relationship Management, Customer Service and Team Management
• Manage end to end credit approval process within agreed turnaround times (TATs) and be responsible for all underwriting decisions, approvals, deviations and exceptions for the location
• Collaborate with recoveries and analytics teams to generate business insights to improve the credit appraisal process
• Identify and mitigate risk through regular portfolio monitoring and take timely decisions on exposure levels, collateral etc.
• Effectively manage the location credit team and guide team members to take credit risk decisions aligned with the company’s risk appetite
• Ensure the provision of ongoing training and that all employees are suitably skilled and qualified for their roles Risk Management
• Ensure compliance with all relevant credit policies and procedures Identify, analyze and propose mitigation measures for various risks applicable to the credit function at the location Skills
• Extensive Knowledge of retail loans preferably Education Loans, LAP or PL products
• Hands-on experience of Credit Underwriting, Credit verification processes, People management skills.
• Excellent communications abilities in English and any regional language
• Servicing ability in terms of processing TAT (Turnaround Time) and relationship management.
• Excellent interpersonal skills, Team player and Motivator Qualifications
• Chartered Account, Chartered Financial Analyst or MBA Finance Experience
• 12-15 years of related work experience in the financial services sector

📌 Regional Credit Manager (Ahmedabad)
🏢 Credila Financial Services
📍 Ahmedabad