National Credit Manager - Housing Finance Firm

National Credit Manager - Housing Finance

Key Responsibilities:

1. Credit Policy & Underwriting Framework

- Develop, review, and update credit policies and underwriting guidelines for all housing finance products (Home Loans, LAP, Affordable Housing, etc.).

- Ensure alignment of credit policies with regulatory norms (RBI/NHB) and internal risk appetite.

- Implement automated and manual credit decisioning systems to ensure consistency and scalability.

2. Portfolio Quality Management

- Monitor credit portfolio performance across geographies and products.

- Identify early warning signals, analyze delinquency trends, and take corrective actions in coordination with business teams.

- Develop and implement portfolio stress testing and scenario analysis frameworks.

3. Credit Approval & Oversight

- Provide high-level credit approvals as per delegation of authority (DOA).

- Lead the Central Credit team in reviewing and sanctioning high-value proposals.

- Ensure proper documentation, adherence to approval conditions, and overall credit hygiene.

4. Team Leadership

- Build, mentor, and lead the credit appraisal and underwriting teams across regions.

- Conduct regular training on credit assessment, fraud prevention, and regulatory updates.

5. Technology & Process Optimization

- Collaborate with Product, Tech, and Operations teams to digitize and automate credit processes (LOS/LMS integration).

- Enhance TAT and productivity while ensuring robust credit checks.

6. Regulatory & Internal Compliance

- Ensure compliance with RBI/NHB regulations and internal audit recommendations.

- Coordinate with auditors, regulators, and internal risk teams for credit-related matters.

7. Stakeholder Management

- Act as a strategic advisor to Business, Risk, Collections, and Product teams on credit matters.

- Support investor and board-level reporting on credit portfolio performance and risk metrics.

Key Skills & Competencies:

- Strong understanding of retail housing finance products, customer profiles, and credit risk.

- Expertise in credit appraisal, financial analysis, risk scoring, and credit policy design.

- Proficient in regulatory norms governing HFCs and NBFCs in India.

- Analytical mindset with strong data interpretation and problem-solving skills.

- Leadership, team management, and cross-functional collaboration.

- Familiarity with credit bureaus, underwriting platforms, and credit analytics tools.

Preferred Background:

- Prior experience in a leadership credit role within a Housing Finance Company / NBFC / Bank.

- Experience with technology-driven credit assessment platforms is a plus.