Head Credit - Commercial Vehicle and Construction Equipment Loans

Role & responsibilities

1. Lead credit evaluation and underwriting of high-value and complex proposals.
2. Review and approve credit recommendations within delegated authority limits. 3. Give timely credit decisions with the risk controls in place. Portfolio quality 4. Oversee portfolio quality, delinquency trends and risk mitigation initiatives. 5. Monitor sectoral, market and borrower risks, and recommend corrective actions. 6. Review stressed accounts and recommend restructuring, recovery or exit where required. Credit policy and compliance 7. Hold the book to credit policies, risk frameworks and regulatory requirements. 8. Lead credit policy implementation and process improvement initiatives. People 9. Develop and mentor credit managers, analysts and underwriting teams. 10. Guide the regional credit teams and the business teams. Working with other teams 11. Work with the business, collections, legal and operations teams for effective portfolio management. 12. Support management with portfolio analytics, MIS reporting and risk reviews.

Preferred candidate profile

1. 12 to 15 years in credit, risk management or underwriting, with team management exposure.
2. Knowledge of commercial vehicle, construction equipment and related lending products. 3. Expertise in credit appraisal, financial statement analysis, cash flow assessment and risk evaluation. 4. Understanding of corporate, SME, partnership firm and proprietor business models. 5. Knowledge of credit policies, regulatory guidelines and risk management frameworks. 6. Ability to evaluate industry, market and sector-specific risks. 7. Portfolio management and credit monitoring skills. 8. Proficiency in financial modelling, MIS and portfolio analytics. 9. Leadership, stakeholder management and decision-making abilities. 10. MBA (Finance), CA, CMA or an equivalent professional qualification is preferred. 11. Hindi is an advantage. 12. Based in Chennai, or willing to relocate to Chennai. The role asks for ownership and accountability, high ethical standards, analytical and risk-focused decisions, clear communication, and work across functions and regions.