Credit Head - Retail Bank/FinTech/Retail Loan

Head Of Credit-Retail Bank/fintech (Retail loan)

Location : Bangalore

Experience: 10-15 Years

Roles & Responsibilities:

- Setting the vision and strategy for the credit function working in collaboration with senior leadership team.

- Managing the credit function of the Bank/NBFC/Fintech relating to all types of lending. Responsible for overall adequacy and effectiveness of the credit management techniques/process.

- Build a team handling credit, credit ops, risk, credit analytics, rule engine etc. Need to build this for credit assessing our customers.

- Creation of the underwriting policies, infrastructure, development and implementation of underwriting models, decision strategies.

- Analyzing and interpreting the impact of credit strategies while working under broader corporate goals.

- Monitoring team performance & team adherence to regulatory requirements and guidelines laid down by compliance, audit and risk teams.

- Responsible for the review and approval of credit proposals of the customers and to maintain a good balance between returns and risks exposure.

- Engages the development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team members.

- Review and develop the Bank's/ NBFC's /Fintech companies credit approval policies and guidelines as well as participate in ad hoc projects of investigative or trouble-shooting nature on specific customer portfolio.

- Monitor the credit granting and updating process and monitor periodic credit reviews.

Candidate Requirements:

- Rich experience in managing and driving Credit Underwriting function encompassing predominantly Retail Credit to customers.

- Deep knowledge of scorecards, credit policies in both unsecured and secured context.

- Exceptional problem-solving skills. First principles person.

- Like Minded Intellectually Curious Colleagues.

- High Paced Learning. Continuous Mentorship to help Achieve Peak Potential

- Learn to Manage Multi-Tier Reporting

Please apply with below details in your resume :

Current Fixed CTC - (Fixed + Variable):
Expected CTC:
Notice Period: