National Credit Manager - Direct & DST Vertical - Secured Loans

We are hiring National Credit Manager.

Job Description : National Credit Manager - Secured Loans | Direct & DST Vertical

Key Responsibilities:

- Lead and manage the national credit function for the Secured Loan business across Direct & DST channels.

- Oversee the end-to-end credit appraisal, underwriting, sanction and disbursement process for secured lending.

- Review and approve credit proposals within the delegated authority, ensuring adherence to credit policies and risk parameters.

- Drive quality underwriting while maintaining optimum TAT and supporting business growth.

- Evaluate borrower profile, income, banking, financials, repayment capacity, bureau history, collateral, legal and technical reports.

- Ensure appropriate assessment of LTV, FOIR, DSCR, leverage, cash flows and overall credit risk.

- Develop and implement robust credit policies, underwriting guidelines and risk controls for the Direct & DST business.

- Identify emerging portfolio risks and take corrective actions to maintain healthy portfolio quality.

- Monitor credit quality, delinquency trends, rejection ratios, deviations, early warning signals and portfolio performance.

- Ensure effective control over credit deviations and exception approvals.

- Work closely with Sales, Operations, Legal, Technical, Collections and Risk teams to resolve credit-related issues.

- Conduct regular reviews of branches, credit teams and sourcing channels to ensure adherence to underwriting standards.

- Build, mentor and manage a strong national credit team, including Regional/Zonal Credit Managers and Credit Managers.

- Drive standardization of credit processes and ensure consistency in underwriting across geographies.

- Analyze portfolio data and provide insights to senior management on risk trends and business performance.

- Support new product/channel initiatives by evaluating credit risks and defining appropriate underwriting frameworks.

- Ensure compliance with internal policies, regulatory requirements and audit observations.

- Participate in credit committee discussions and provide recommendations on complex/high-value proposals.

- Balance business growth and portfolio quality while ensuring prudent risk management.