Zonal Credit Head

Job Title:

Location:

Job Summary:

The Zonal Credit Head will be responsible for managing the credit underwriting and risk

management for Loan Against Property (LAP) and Business Loan (BL) products within the

assigned zone. This role involves assessing creditworthiness, ensuring compliance with internal

and regulatory policies, and optimizing the credit decisioning process while balancing risk and

business growth.

Key Responsibilities:

• Credit Underwriting & Approval:

• Evaluate and approve loan applications based on financial analysis, risk

assessment, and credit policy guidelines.

• Ensure timely processing of loan applications while maintaining high-quality

underwriting standards.

• Provide credit decisions within delegated authority and escalate cases as per

policy.

• Risk Management & Portfolio Quality:

• Monitor portfolio performance, early warning indicators, and risk parameters

within the zone.

• Implement strategies to maintain a healthy portfolio with low delinquency and

minimal NPAs.

• Review and refine credit policies and risk frameworks to align with market

dynamics.

• Policy Adherence & Compliance:

• Ensure all underwriting decisions are in line with regulatory and internal policies.
• Coordinate with internal and external audit teams to ensure compliance

adherence.o Stay updated with industry trends, regulatory changes, and emerging risks.

• Team Leadership & Development:

• Lead and mentor a team of credit managers and analysts to enhance their

underwriting skills.

• Conduct training sessions on credit policies, risk management, and fraud

prevention.

• Collaborate with sales and operations teams to ensure seamless execution of

credit processes.

• Stakeholder Management:

• Work closely with sales, collections, risk, and senior leadership to drive business

growth while maintaining risk controls.

• Engage with external agencies, legal teams, and fraud control units to strengthen

the credit assessment framework.

Key Requirements:

• Experience:

  8-15 years of experience in credit underwriting and risk management for

LAP and Business Loans.

• Skills & Competencies:

• Strong analytical and decision-making skills.
• In-depth knowledge of financial statements, credit risk assessment, and

regulatory frameworks.

• Excellent leadership, communication, and stakeholder management abilities.
• Ability to work in a fast-paced environment with cross-functional teams.