Regional Credit Manager

Regional Credit Manager

Roles & Responsibilities:

• Credit & Risk Management

  : Manage overall credit and risk functions for assigned areas/locations. Responsible for processing and underwriting

  Construction Finance deals

  as per credit policy.

• Policy Adherence & TAT

  : Ensure adherence to credit policy and defined processes, including

  TAT management

  ,

  PD management

  ,

  CAM quality

  , and

  Fraud Risk Management

  .

• Business Enablement

  : Facilitate the business team in achieving monthly/annual business targets.

• Portfolio Quality

  : Maintain portfolio quality, and be responsible for collections, delinquency, and

  NCL management

  .

• Credit Policy Inputs

  : Provide inputs for designing and implementing credit policy and programs, new initiatives, and periodic changes based on sales team input and market feedback. Offer insights on competitor product and policy.

• Site Visits & Due Diligence

  : Visit builder sites/client sites and prepare and submit reports on project completion, client business activity, and neighborhood/customer feedback.

• Post-Disbursement Management

  : Responsible for

  PDD monitoring

  and collateral management. Coordinate with the Operations team for disbursal and the PDD process.

• Vendor Management

  : Monitor and manage various vendors, including Legal, Valuation,

  CPV

  ,

  FCU

  ,

  ROC Search

  , and Stock Audit agencies. This includes vendor TAT management, visits, and payment management.

• Team & Resource Management

  : Hire credit resources as per manpower budgeting, manage attrition, and oversee performance.

• Compliance & Training

  : Ensure audit and regulatory compliance for your location/area. Coordinate training programs for credit/sales teams and impart induction training for subordinates.

• Market Intelligence

  : Conduct reference checks for prospective borrowers from market links and existing lenders.

• Reporting

  : Manage

  MIS

  for your vertical.

Skills Required:

• Proven experience in credit and risk management, particularly in

  Construction Finance

  .
• Strong understanding of credit policies, underwriting processes, and

  fraud risk management

  .
• Expertise in portfolio quality management, including collections, delinquency, and

  NCL

  .
• Experience in vendor management and site visit assessments.
• Ability to contribute to credit policy design and implementation.
• Strong leadership skills for team management, hiring, and performance oversight.
• Excellent communication, coordination, and analytical skills.

QUALIFICATION:

• Bachelor's or Master's degree in Finance, Business Administration, or a related field, or equivalent experience.