SVP Credit Home loan

Key Responsibilities:

Credit Policy & Risk Framework

• Develop, review, and update credit policies for home loans in alignment with risk appetite and market trends.
• Define credit parameters, scorecard logic, documentation standards, and exception handling processes.
• Ensure credit risk policies are compliant with RBI/HFC/NBFC guidelines and internal audit requirements.

Credit Appraisal & Underwriting

• Approve high-ticket home loan proposals (within delegated authority limits).
• Oversee underwriting quality across branches, regions, and central credit hubs.
• Analyze financials, property-related risks, customer profiles, and repayment capacities.
• Monitor portfolio segmentation based on risk tiers and modify approval norms accordingly.

Portfolio Management & Risk Monitoring

• Track portfolio quality delinquency trends, bounce rates, early warning signals (EWS), etc.
• Lead credit stress testing and exposure analysis for various segments (salaried, self-employed).
• Maintain a balance between portfolio growth and risk control.

Team Leadership & Governance

• Manage and mentor regional/cluster credit heads and central underwriting teams.
• Ensure TAT (turnaround time) SLAs are met without compromising credit quality.
• Conduct regular credit training sessions for teams and sales counterparts.

Stakeholder Management

• Collaborate with Product, Legal, Technical, Risk, Collections, and Sales teams to ensure seamless credit operations.
• Represent credit function in internal audits, compliance reviews, and management meetings.
• Escalate credit risks to senior leadership with actionable insights.

Qualifications:

• CA / MBA (Finance) / CFA preferred
• 1220 years of experience in credit underwriting preferably in

  Home Loans / Mortgage Lending

• Strong understanding of credit policies, income assessment models, property and legal due diligence

Key Skills:

• Deep knowledge of housing finance industry, real estate markets, and property laws
• Analytical mindset with strong financial acumen
• Leadership and team management
• Decision-making under pressure
• Excellent communication and stakeholder coordination
• Familiarity with credit bureau reports, scoring models, and digital underwriting tools