Zonal Credit Manager

Job Summary:

We are seeking an experienced Zonal Credit Manager to oversee the Loan Against

Property (LAP) portfolio for the South India zone. The ideal candidate will have extensive experience handling credit underwriting, risk assessment, and portfolio management for LAP with a portfolio of - 5 crore or more. This role requires strong analytical skills, decision- making abilities, and expertise in credit policy implementation to ensure a high-quality portfolio.

Key Responsibilities:

Credit Underwriting & Risk Assessment

- Evaluate and sanction LAP proposals within defined credit guidelines and risk parameters.

- Assess financial statements, property valuations, and borrower creditworthiness.

- Conduct in-depth due diligence and mitigate potential risks in lending.

Portfolio & Risk Management

- Manage and oversee a LAP portfolio exceeding - 5 crore.

- Ensure portfolio health through periodic reviews and proactive risk mitigation.

- Monitor early warning signals and implement corrective measures to minimize NPAs.

Regional & Zonal Oversight

- Handle the South India zone, ensuring credit policies align with regional market dynamics.

- Collaborate with business and collections teams to maintain portfolio quality.

- Develop strategies for sustainable growth while managing credit risks.

Policy Compliance & Process Improvement

- Ensure adherence to regulatory guidelines and internal credit policies.

- Work with internal teams to enhance credit processes and approval turnaround times.

- Recommend improvements in credit appraisal frameworks based on market trends.

Key Requirements:

Experience: 8+ years in Loan Against Property (LAP) credit underwriting & risk management.

Portfolio Handling: Prior experience managing a LAP portfolio of - 5 crore or more.

Regional Exposure: Strong knowledge and experience working in the South India market.

Educational Qualification: CA/MBA (Finance) or equivalent preferred.

Skills:

- Expertise in financial analysis, risk assessment, and policy implementation.

- Strong decision-making and leadership abilities.

- Ability to work cross-functionally with sales, risk, and collection teams.