Role Overview:

As a Credit Head for Micro LAP, you will be at the forefront of managing credit risk and ensuring portfolio quality for our micro loan against property segment. This pivotal role involves leading the entire credit underwriting process, from policy formulation to final sanction, working closely with sales, operations, and risk teams. Your strategic insights and robust credit judgment will directly impact the company's asset quality, profitability, and sustainable growth, empowering small businesses and individuals across Delhi. You will be instrumental in shaping our credit strategy for this critical segment, ensuring sustainable growth while maintaining a healthy portfolio.

Key Responsibilities:

- Develop and refine comprehensive credit policies and underwriting guidelines specifically for Micro LAP products, ensuring alignment with business objectives and regulatory compliance.

- Lead and oversee the end-to-end credit appraisal and underwriting process for Micro LAP applications, making informed decisions to mitigate risk while facilitating business growth.

- Manage and continuously monitor the existing Micro LAP portfolio, identifying potential risks and implementing proactive measures to maintain superior asset quality.

- Collaborate effectively with sales and business development teams, providing credit expertise and ensuring a balanced approach between aggressive growth targets and stringent credit standards.

- Conduct thorough risk assessments and implement robust mitigation strategies, including early warning systems and recovery processes, to safeguard the company's interests.

- Ensure strict adherence to all internal credit policies, regulatory guidelines, and compliance frameworks, maintaining the highest standards of governance.

- Mentor, train, and develop a high-performing team of credit analysts, fostering a culture of excellence, accountability, and continuous learning.

Required Skillset:

- Demonstrated expertise in Credit Underwriting and Appraisal, specifically within the Micro LAP or SME lending segment, with a strong grasp of financial analysis, property valuation, and legal due diligence.

- Exceptional leadership and team management capabilities, with a proven track record of building and motivating high-performing credit teams.

- Superior communication, negotiation, and stakeholder management skills, capable of influencing decisions and fostering collaborative relationships across departments.

- A relevant professional qualification such as an MBA, CA, or CFA is highly preferred, coupled with a deep understanding of the NBFC lending landscape.

- Ability to thrive in a fast-paced, target-driven environment, based out of our Delhi office, contributing directly to our growth trajectory.