Regional Credit Manager

We are seeking a Regional Credit Manager to oversee the overall credit and risk functions for assigned areas. You will be responsible for processing and underwriting Construction Finance deals , ensuring adherence to credit policy, and maintaining portfolio quality. This role requires a leader who can manage vendor relationships, contribute to credit policy design, and ensure compliance and training initiatives are met across the region.

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 :

QUALIFICATION :

Skills Required

Risk Management, Fraud Risk Management, Vendor Management, Analytical Skills, Team Management