Zonal Credit Manager

Green start Hiring

Job Title : Zonal Manager – Credit Affordable Home Loans(ticket size 5-25 lakhs)

Department : Credit

Reporting To : National Manager – Credit

Location : Chennai

Age Group : Up to 40 years

Team Size : Must have led a team of at least 30 members

Role Overview

Responsible for managing the end-to-end credit function for the zone , ensuring strong underwriting, adherence to credit policies, operational efficiency, and portfolio quality. The role covers customers with documented and undocumented income profiles within the housing finance segment.

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.