Associate Director-Credit(LAP)

This is a full-time, on-site role located in Bengaluru, near HSR Layout, focused on credit evaluation for LAP borrowers. As the selected candidate, you will need to demonstrate deep expertise in underwriting LAP loans in the range of 1 lakh to 10 lakhs. Your primary responsibilities will include overseeing the credit underwriting vertical for LAP, evaluating proposals based on banking transactions and market data, and ensuring adherence to credit norms to enhance our LAP lending portfolio. You will be expected to lead a team, assess borrower creditworthiness, monitor existing loan accounts for early warning signals, and recommend corrective measures as necessary. Additionally, you will play a key role in building and implementing robust credit policies and frameworks aligned with best practices in LAP lending. Collaboration with external lending partners and internal functions such as sales and operations will be essential to streamline the credit approval process. Your role will also involve providing leadership and mentorship to team members to foster skill development, knowledge sharing, and performance excellence. Furthermore, your contribution towards the organization's growth will be vital as you develop strategies for managing unsecured and secured LAP credit risks. Desired Qualifications & Experience: - Postgraduate degree in Business, Finance, or Economics. - Minimum 10-15 years of experience in credit underwriting LAP, with a strong focus on ticket sizes between 1 lakh to 10 lakhs. - Experience in managing credit for regions/zones and leading teams of at least 10-15 members. - Prior exposure to NBFC or FinTech environments is highly preferred. - Proven expertise in handling credit assessment for proprietorships and partnerships. - Demonstrated ability to create, refine, and enforce credit policies to safeguard portfolio quality. - Strong analytical mindset, able to balance risk management with business growth. - Excellent stakeholder management skills, working seamlessly with both external lenders and internal teams. Key Skills: underwriting, loan against property, NBFC, FinTech, housing finance, credit.,