Credit Head - Corporate/Wholesale Credit & LAP - NBFC

Job Title: Credit Head (NBFC)

Lending Products: Corporate/Wholesale Credit & LAP

Reporting To: CRO (Credit Risk Officer)

Budget: Up to 25 LPA Fixed

Location: Delhi, IN

Industry: Non-banking Financial Company

Job Type: Full-time (On-site)

Role Overview:

This is a Credit leadership role in an NBFC environment with strong focus on Wholedsale/Corporate Credit and LAP underwriting, reporting into the CRO (Credit Risk Officer). As the Credit Head for an NBFC in Delhi, you will be responsible for overseeing all aspects of the credit function, ensuring the quality and profitability of our lending portfolio. You will lead a team of credit professionals, working closely with business development, risk management, and finance teams to develop and implement credit policies, procedures, and strategies.

Key Responsibilities:

- Develop and implement credit policies and procedures to ensure sound lending practices and compliance with regulatory requirements.

- Lead and manage the credit team, providing guidance, training, and performance feedback to ensure optimal performance and professional development.

- Oversee the credit appraisal process, ensuring thorough analysis of borrower financials, creditworthiness, and collateral valuation.

- Monitor the credit portfolio, identifying potential risks and implementing mitigation strategies to minimize losses.

- Manage credit control activities, including timely collection of dues and effective recovery of delinquent accounts.

- Prepare and present credit risk reports to senior management, highlighting key trends, risks, and opportunities.

- Collaborate with business development teams to structure loan products that meet customer needs while adhering to credit risk guidelines.

- Ensure compliance with all applicable laws and regulations related to credit operations and risk management.

Key Requirements:

- Graduation / Post-graduation in Finance or related field.

- Must have strong experience in portfolio management.

- Must have strong experience in credit underwriting with approval authority.

- Must have handled a team of at least 8-10 members.

- Must have handled Corporate/Wholesale and LAP (Loan Against Property) credit products.