ARTH - Assistant Vice President - Credit - Secured Colending Vertical

Role Overview

We are looking for a seasoned credit professional to lead our secured lending vertical. The role involves building and managing the end-to-end credit function for secured products such as loan against property, secured business loans, and asset-backed lending. The incumbent will be responsible for shaping credit policies, ensuring strong risk governance, maintaining portfolio quality, and supporting business growth through sound credit decisions.

Key Responsibilities

• Set up and lead the credit strategy for secured lending across products and geographies.
• Frame and implement credit policies, processes, and risk parameters in line with regulatory norms and company objectives.
• Oversee underwriting, sanction, and approval of secured loan proposals within defined authority limits.
• Review high-value proposals, ensure thorough due diligence, and maintain decision accuracy and turnaround efficiency.
• Work closely with business, risk, and operations teams to ensure smooth flow from sourcing to disbursement.
• Continuously monitor portfolio performance, including delinquency trends, NPAs, and recovery actions.
• Lead periodic policy reviews, data-driven portfolio analysis, and early warning monitoring.
• Engage with internal and external stakeholders such as auditors, rating agencies, and regulators on credit-related matters.
• Build and mentor a strong team of credit managers and underwriters; ensure capability development and performance discipline.
• Maintain a balanced approach between business growth and prudent risk management.

Desired Profile

What We Offer

(ref : iimjobs.com)