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SVP Credit Home loan

SVP Credit Home loan

ConfidentialMumbai
9 days ago
Job description

Key Responsibilities :

Credit Policy & Risk Framework

  • Develop, review, and update credit policies for home loans in alignment with risk appetite and market trends.
  • Define credit parameters, scorecard logic, documentation standards, and exception handling processes.
  • Ensure credit risk policies are compliant with RBI / HFC / NBFC guidelines and internal audit requirements.

Credit Appraisal & Underwriting

  • Approve high-ticket home loan proposals (within delegated authority limits).
  • Oversee underwriting quality across branches, regions, and central credit hubs.
  • Analyze financials, property-related risks, customer profiles, and repayment capacities.
  • Monitor portfolio segmentation based on risk tiers and modify approval norms accordingly.

    • Portfolio Management & Risk Monitoring

  • Track portfolio quality – delinquency trends, bounce rates, early warning signals (EWS), etc.
  • Lead credit stress testing and exposure analysis for various segments (salaried, self-employed).
  • Maintain a balance between portfolio growth and risk control.

    • Team Leadership & Governance

  • Manage and mentor regional / cluster credit heads and central underwriting teams.
  • Ensure TAT (turnaround time) SLAs are met without compromising credit quality.
  • Conduct regular credit training sessions for teams and sales counterparts.

    • Stakeholder Management

  • Collaborate with Product, Legal, Technical, Risk, Collections, and Sales teams to ensure seamless credit operations.
  • Represent credit function in internal audits, compliance reviews, and management meetings.
  • Escalate credit risks to senior leadership with actionable insights.

    • Qualifications :

  • CA / MBA (Finance) / CFA preferred
  • 12–20 years of experience in credit underwriting – preferably in Home Loans / Mortgage Lending
  • Strong understanding of credit policies, income assessment models, property and legal due diligence

    • Key Skills :

  • Deep knowledge of housing finance industry, real estate markets, and property laws
  • Analytical mindset with strong financial acumen
  • Leadership and team management
  • Decision-making under pressure
  • Excellent communication and stakeholder coordination
  • Familiarity with credit bureau reports, scoring models, and digital underwriting tools

    • Skills Required

    Risk Management, Documentation, Portfolio Management, Governance, Team Leadership

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