Job Description
Position: Zonal Head – Credit
Industry: Leading NBFC / Bank
Product: Retail Assets – Mortgage / Housing Finance
Location: Mohali / Lucknow / Varanasi
CTC: Up to ₹35 LPA
Age: Up to 45 Years
Role Overview
We are looking for an experienced and result-oriented Zonal Head – Credit to lead credit operations for the Retail Asset/Mortgage business. The role will be responsible for ensuring sound credit quality, portfolio growth, policy adherence, and effective management of the zonal credit team.
Key Responsibilities
- Lead and manage the Zonal Credit function for the Retail Mortgage business.
- Ensure quality underwriting and timely credit decisions while maintaining portfolio quality.
- Drive credit appraisal, sanctioning, and disbursement within defined policies and TATs.
- Monitor portfolio performance, delinquency trends, credit risks, and early warning indicators.
- Ensure compliance with internal credit policies, regulatory guidelines, and risk parameters.
- Work closely with Sales, Operations, Risk, Legal, and Collections teams for business growth and portfolio management.
- Guide, mentor, and develop the zonal credit team.
- Review high-value and complex credit proposals and provide appropriate recommendations.
- Identify emerging risks and implement corrective measures to maintain healthy portfolio quality.