National Credit Manager - Credit Underwriting - Banking/Financial Services

Role Overview:

The National Credit Manager will be responsible for leading credit underwriting and risk management for the Home Loans (HL) and MSME/Loan Against Property (LAP) businesses at a national level. The role will focus on developing credit policies, strengthening underwriting frameworks, managing credit risk, and leading large credit teams.

Key Responsibilities:

- Lead the national credit underwriting function for Home Loans and MSME/LAP portfolios.

- Design, review, and implement credit policies, underwriting standards, and risk frameworks.

- Drive consistent and effective credit appraisal and decision-making across locations.

- Oversee credit assessment, approval, and processing of loan proposals in line with defined policies.

- Monitor portfolio quality, credit performance, and emerging risk trends.

- Identify potential credit risks and implement appropriate mitigation measures.

- Lead and manage large credit teams across the country.

- Ensure adherence to regulatory requirements, internal credit policies, and risk guidelines.

- Collaborate with business and other stakeholders to balance business growth with prudent credit risk management.

- Continuously review underwriting processes and recommend improvements to enhance efficiency and portfolio quality.

Key Skills:

- Credit Underwriting

- Credit Appraisal

- Credit Risk Management

- Home Loans - Housing Finance

- MSME - Loan Against Property (LAP)

- Credit Policy & Underwriting

- Credit Processing & Monitoring

- Portfolio Management

- Risk Assessment & Mitigation

- Team Leadership