National Credit Head - LAP - NBFC

National Credit Head - LAP - NBFC (15-20 yrs)

About the job:

We are seeking an experienced Head - Credit to lead our overall Credit function.

In this strategic leadership role, you will oversee credit underwriting, policy creation, risk assessment, sanctioning, portfolio quality, and credit controls, while mentoring a high-performing team to support sustainable business growth.

Key Responsibilities:

Strategic Credit Leadership:

- Lead end-to-end credit appraisal, underwriting, and risk management operations across all branches.

Underwriting & Sanctioning:

- Oversee approval for LAP, Mortgage, and secured lending proposals.

- Evaluate LTV, FOIR, DSCR, bureau profiles, property collateral, and high-value deviation cases.

Policy & Risk Management:

- Formulate and review Credit Policies, SOPs, and deviation frameworks.

- Monitor portfolio health, early warning indicators, and delinquency trends to mitigate risk.

Process & Portfolio Efficiency:

- Track key credit indicators (TAT, sanction-to-disbursement ratios, rejection rates) and drive process automation and digital underwriting.

Stakeholder & Team Alignment:

- Partner with Sales, Operations, Risk, Legal, and Collections teams.

- Mentor and manage the credit team, defining KRAs and training pipelines.

Governance & Regulatory Compliance:

- Ensure full compliance with RBI regulations, internal controls, and support internal/external audit closures.

Key Requirements:

- 12 - 18+ years of progressive experience in Credit, Underwriting, and Credit Risk within an NBFC, HFC, Bank, or Financial Institution.

- Deep expertise in LAP, Mortgages, Home Loans, and property-backed secured lending.

- Proven track record in managing large-scale credit operations, policy implementation, and multi-location credit teams.