National Credit Manager
National Credit Manager
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Job Description
Location: Delhi NCR
Industry: NBFC / HFC (Loan Against Property LAP)
We are looking for an experienced National Credit Manager to lead the credit function for Loan Against Property (LAP) in the affordable housing segment across multiple branches. The role entails heading the entire credit department including Regional Sales Managers (RCMs) Area Credit Managers (ACMs) and Branch Credit Managers (BCMs) developing and implementing comprehensive credit policies and ensuring alignment with the business objectives of the organization. The ideal candidate will demonstrate exceptional leadership strategic decisionmaking abilities and a deep understanding of the NBFC or HFC sector.
Key Responsibilities Leadership and Team Management
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Lead the credit department including RCMs ACMs and BCMs fostering collaboration and adherence to highquality credit standards.
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Provide strategic direction mentorship and training to credit teams to enhance their technical skills and operational efficiency.
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Establish and monitor performance metrics to ensure alignment with organizational goals.
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Design and implement comprehensive credit policies and frameworks tailored to the affordable housing segment.
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Approve highvalue and complex credit proposals ensuring sound underwriting practices.
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Align credit strategies with business objectives to drive sustainable growth.
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Conduct field visits to meet customers for deeper insights into customer profiles and repayment capacity.
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Perform random surprise checks and verifications to ensure adherence to credit policies and identify potential risks.
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Leverage market intelligence to refine credit strategies and enhance decisionmaking.
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Monitor and manage the health of the loan portfolio across regions ensuring key performance indicators (KPIs) such as portfolio quality delinquency rates and Turnaround Time (TAT) are achieved.
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Analyze market trends and portfolio performance to provide actionable recommendations for risk mitigation and portfolio enhancement.
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Drive initiatives to improve underwriting processes and portfolio quality.
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Work closely with sales operations and risk teams to ensure credit policies are seamlessly integrated with business objectives.
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Collaborate with branch and regional teams to address creditrelated challenges and optimize opportunities.
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Partner with legal compliance and risk teams to refine credit policies and ensure regulatory adherence.
Desired Skills and Experience
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Experience: Minimum 15 years in credit assessment underwriting and portfolio management with at least 3 years in a leadership role managing RCMs ACMs and BCMs.
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Expertise:
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Profound knowledge of Loan Against Property (LAP) and the affordable housing segment.
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Strong experience in assessed income evaluations informal segment underwriting and property assessments.
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Comprehensive understanding of credit policy frameworks and regulatory compliance.
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Market Knowledge: Extensive familiarity with the Delhi NCR market.
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Education: Postgraduate in Finance Business Administration or a related field is preferred.
Employment Type
Full Time
