Basic Information

Job Role

Mega Zone Head – Credit

Designation

Portfolio Head

Department

Credit

Location

Delhi

Organizational Relationships

Position reporting to

National Portfolio Head

No. of Direct Reports

4-5 Direct Reports

Job Purpose

- To manage the Vistaar branches across Megazone for all credit and risk related function.
- To train, mentor and coach all employees with respect to credit policy, processes.
- To help the state achieve overall budgeted numbers ( Portfolio, NPA and Profitability)
- Manage the underwriting decisions on a daily basis.

Key Responsibilities

Managerial Responsibilities

- Manage the entire Vistaar credit team ( Recruit, train and talent upgradation)
- Manage the underwriting of all cases in country within stipulated time as prescribed
- Take constant feedback from the team to clear any bottle necks / solve any issues and ensure least attrition in the department.
- Ensure discipline and monitor other routine issues

Functional Responsibilities

- Attend to audit reports by RBI and internal auditors and close on the audit observation and actionable promptly
- Credit Appraisal: Ensure all loan applications are appraised as per credit policy and within applicable TAT
- Credit Policy: Provide valuable inputs to the policy team in updating the credit policy.
- Training: Training branch and cluster credit team regularly on credit policy and improvement areas.
- Positive interpersonal, relationship management, customer service, and rapport building skills.
- Risk Mitigation: Identify and analyze risks (economic, social, political, etc)



related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area

Job Requirements

Qualifications

MBA/PGDBM/CA preferred, minimum Graduate.

Experience

8 - 12 years’ experience required in Financial services, with last 3 years atleast in NBFCs dealing with mortgage loans, housing loans (Secured Business). Minimum 5 years’ experience in credit appraisal is essential for this role. Minimum 3 years’ experience in managing team is essential

Functional Competencies

Role requires the person to travel to branches for about 10-15 days in a month across the Mega Zone.

Proficiency in MS Office (Word, PowerPoint, Excel)

Basic Accounting Skills

Behavioral Competencies

Ability to prioritize, multi-task, delegate, and proactively resolve problems

Ability to effectively communicate with the public

Good analytic skills, judgment and ability to make independent decisions informed by both quantitative and qualitative data (including informal feedback from stakeholders and non-business context: socio-political-religious environmental factors)

Ability to work with minimal direction. Self-starter

Key Interactions

Internal

Nature or purpose of interaction

All Branch Employees

Functional requirement( Business, credit and collection related)

HO Functional employees ( HR/IT/Ops/Finance)

Work relating to hiring, training, technology related points, Operations related points.

External

Nature or purpose of interaction

Customers/prospective customers

For Credit appraisal and collection related points

Vendors ( Fraud agencies/ advocates/ values)

Functional work

📌 Head of Portfolio Management (Delhi)
🏢 Vistaar Financial Services
📍 Delhi