Regional Credit Manager

Job Summary

We are looking for an experienced Regional Credit Manager to own credit underwriting and portfolio quality . The role covers developing and enforcing credit policy, approving home loan and LAP proposals, and leading a team of credit officers. The ideal candidate has hands-on experience in cash-flow-based assessment of varied borrower profiles, property and technical appraisal, and a working knowledge of the UP market. The aim is sustainable business growth without compromising asset quality.

Key Responsibilities

- Credit policy and compliance: Implement and enforce credit policies and procedures aligned with company objectives, RBI/NHB regulations, and internal risk guidelines across the region. Recommend policy changes based on local market realities.

- Team leadership: Lead, mentor, and build a team of credit managers and credit officers across UP locations. Set clear TAT and quality benchmarks, and drive training in underwriting and appraisal.

- Cash-flow assessment: Evaluate repayment capacity across salaried, self-employed qualified, and self-employed non-professional borrowers, including small traders, manufacturers, and cash-heavy or informal-income segments. Use banking analysis, ITR and financial statements, GST data, and personal discussions (PD) to arrive at reliable income and obligation estimates.

- Property and technical appraisal: Review legal and technical valuation reports and assess title, marketability, LTV, and end-use of the property. Handle residential, commercial, and mixed-use properties,



and manage approved valuers and legal vendors, including their performance and empanelment.

- Credit approval: Approve or reject proposals within delegated authority, and escalate larger or complex cases with well-reasoned credit notes. Balance risk with business growth and turnaround time.

- UP market expertise: Apply on-ground knowledge of UP markets, covering tier 2 and 3 towns, local property patterns such as approved vs. unapproved layouts, development authority and housing board properties, and regional income profiles. Identify micro-markets and segments to grow or avoid.

- Portfolio monitoring: Track delinquency, early-warning signals, and vintage trends across the region. Work with collections and legal teams on recovery and SARFAESI action, and take proactive steps to reduce NPAs.

- Fraud and risk control: Strengthen field-level checks through site visits, document verification, and use of the fraud control unit. Reduce the risk of fake or tampered documents, inflated income, and property valuation manipulation.

- Cross-functional collaboration: Work closely with sales, operations, legal, and collections to support business growth while maintaining credit quality. Take part in dealer, channel partner, and builder evaluations as needed.

- Reporting: Present regular reports to senior management on regional credit performance, portfolio quality, risk exposure, and audit observations.

- Process improvement: Drive improvements in credit processes, underwriting tools, and systems to improve efficiency, turnaround time, and decision quality.

📌 Regional Credit Manager (Ghaziabad)
🏢 Ghrig People Solutions
📍 Ghaziabad