Zonal Credit Manager

Green start Hiring

Job Title:

Department:

Reporting To:

Location:

Age Group:

Team Size:

Role Overview

end-to-end credit function for the zone

General Responsibilities

• Lead the

  credit & underwriting function

  for the zone.
• Implement and enforce

  credit policies, processes & guidelines

  .
• Ensure full compliance with

  NHB norms, internal policies & TAT

  .
• Review & refine credit policies relevant to

  affordable housing & informal income segments

  .

Principal Accountabilities

Strategic

• Build and manage the zonal credit structure with

  decentralized assessment & centralized decision-making

  .
• Maintain strong credit norms ensuring

  low delinquency and superior portfolio quality

  .

Tactical

• Oversee

  credit underwriting, risk assessment, fraud control & business support

  .
• Conduct

  portfolio analytics, risk reviews & MIS reporting

  .
• Improve workflows, credit processes, and system modules.
• Drive enhancements in

  product design & credit programs

  .

Supervisory / Operational

• Manage

  high-volume credit operations

  across the zone.
• Lead a

  team of 40+ credit, operations & support staff

  .
• Maintain productivity, quality & TAT across branches.
• Oversee

  loan operations, disbursements, banking & collection support

  .
• Work closely with

  HO, Regional teams, Sales, Credit & Risk

  .
• Manage

  LMS updates, customer service workflows & documentation controls

  .
• Handle

  PDC/ECS/NACH/CKYC

  , EMI banking & daily/monthly reconciliations.
• Monitor fund flows, liquidity planning, and working capital availability.
• Drive operational excellence through

  automation & process re-engineering

  .

Candidate Profile

Education

• CA / CWA / MBA–Finance / PGDM–Finance

Experience

• 15+ years

  in Credit, Underwriting, Credit Operations & Risk Assessment.
• Strong exposure to

  NBFC / Housing Finance / Affordable Housing

  .
• Must have

  10–12+ years in NBFC

  handling

  small-ticket secured loans

  .

• Mandatory:

  Experience

  leading a team of 40 or more

  .

Skills

• Strong leadership, people management & decision-making skills.
• Experience across Sales support, Credit, Collections coordination, Operations & Customer Service.
• Strong in analytics, system implementation, automation & process improvements.
• Ability to drive digital initiatives and enhance internal efficiencies.