Vice President - Credit - Banking

- We are looking for an experienced Vice President Credit to lead retail mortgage and LAP underwriting operations while strengthening credit policy frameworks, portfolio quality, and risk governance. The role requires expertise in underwriting, policy design, portfolio monitoring, and team leadership within the retail lending domain.

- The ideal candidate should possess strong analytical, risk assessment, and stakeholder management capabilities along with experience in building scalable and technology-driven credit processes.

Key Responsibilities:

Credit Underwriting & Risk Assessment:

- Lead retail mortgage and LAP underwriting operations across branches

- Conduct due diligence (PD) and prepare / approve Credit Appraisal Memorandums (CAMs)

- Ensure adherence to underwriting standards, policies, and risk controls

- Escalate high-risk cases and policy deviations to senior management

Credit Policy & Governance:

- Design, review, and upgrade retail credit policies and underwriting frameworks

- Drive implementation of scalable and technology-enabled credit processes

- Support product structuring and risk-based pricing initiatives

- Ensure compliance with internal policies, audits, and regulatory guidelines

Portfolio Monitoring & Risk Management:

- Monitor portfolio quality, delinquency trends, and risk indicators

- Support early warning systems and resolution strategies

- Conduct underwriting quality reviews and recommend corrective actions

Team Management & Capability Building:

- Build, lead, and manage teams of Credit Managers and Underwriters

- Drive training and capability enhancement initiatives across branches

- Ensure consistent underwriting quality and decision-making standards

Stakeholder Management:

- Collaborate closely with Sales, Operations, Legal, and Technical teams for seamless credit delivery

- Support regulatory inspections, audits, and compliance reviews

- Work with leadership teams on strategic credit and risk initiatives

Required Skills & Competencies:

- Strong expertise in retail mortgage underwriting and LAP products

- In-depth understanding of retail credit policy, risk management, and underwriting frameworks

- Experience in portfolio monitoring and delinquency management

- Strong leadership and team management capabilities

- Excellent analytical, decision-making, and stakeholder management skills

- Knowledge of regulatory and compliance requirements within retail lending

Preferred Candidate Profile:

- Experience working with private sector banks, NBFCs, or Housing Finance Companies

- Exposure to multiple retail lending products and credit policy functions

- Ability to drive process automation and scalable credit operations