Zonal Credit Manager - Prime Home Loan & Loan Against Property - Bank

Are you a seasoned credit professional ready to make a significant impact? Join us as at Zonal Credit Manager with a leading bank and play a pivotal role in shaping the credit landscape across Mumbai/Pune.

Key Responsibilities:

Credit Policy & Risk Management:

- Develop, implement, and ensure adherence to robust credit policies and underwriting guidelines.

- Monitor and manage credit risk exposure within the assigned zone, identifying and mitigating potential delinquencies.

Team Leadership & Development:

- Provide guidance and support to ensure effective credit decision-making across the zone.

Portfolio Management & Compliance:

- Regularly review portfolio performance, including Quick Mortality Analysis (QMA) and Non-Performing Asset (NPA) reappraisal reports.

- Collaborate with cross-functional teams to streamline processes and enhance customer experience.

Stakeholder Collaboration & Strategic Oversight:

- Collaborate with legal, technical, and operations teams to ensure comprehensive loan appraisals and timely disbursals.

- Engage with senior management to provide insights on credit performance and suggest improvements.

Desired Qualifications & Experience:

- Minimum of 10-15 years in credit management, with specific experience in secured loans, particularly in housing finance.

- Strong analytical skills and a deep understanding of credit risk assessment.

- Proven leadership abilities with experience in managing and developing teams.

- Excellent communication and interpersonal skills.