Regional Credit Manager - Pan India - NBFC

Position: Regional Credit Manager - PAN INDIA

Location: Hyderdabad/Pune

Experience: 10+ Years

Industry: NBFC (Non-Banking Financial Company)

Key Responsibilities

- Lead and manage the credit function across the assigned region, ensuring adherence to NBFC credit policies and regulatory guidelines.

- Evaluate client creditworthiness, conduct risk assessments, and approve/recommend loan proposals within delegated authority.

- Oversee portfolio performance, monitor delinquency trends, and implement corrective measures to minimize NPAs.

- Develop and implement regional credit strategies aligned with organizational goals.

- Liaise with business teams to balance growth objectives with prudent risk management.

- Ensure compliance with RBI regulations, internal audit standards, and statutory requirements.

- Mentor and guide credit analysts and managers, fostering a culture of accountability and performance excellence.

- Prepare and present MIS reports, portfolio reviews, and risk analysis to senior management.

- Drive automation and process improvements in credit evaluation and monitoring.

Required Skills & Competencies

- Strong knowledge of credit appraisal, risk management, and NBFC lending practices.

- Expertise in retail, SME, and corporate lending portfolios.

- In-depth understanding of regulatory frameworks (RBI guidelines, SARFAESI, IBC, etc.).

- Proven track record of managing large teams and regional operations.

- Excellent analytical, negotiation, and decision-making skills.

- Strong interpersonal and communication abilities.

Qualifications

- Graduate/Postgraduate in Finance, Commerce, Economics, or related field.

- Professional certifications in credit/risk management preferred.

- Minimum 10 years of progressive experience in credit management, with at least 5 years in a leadership role within NBFCs or financial institutions.