Zonal Credit Manager
Green Start Management ConsultancyHubli-Dharwad, IN16 hours ago
Job descriptionBuild and manage the zonal credit structure with decentralized assessment & centralized decision-making . Maintain strong credit norms ensuring low delinquency and superior portfolio quality . 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 . 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 . CA / CWA / MBA–Finance / PGDM–Finance 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 . 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.
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
Tactical
Supervisory / Operational
Candidate Profile
Education
Experience
Skills
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Manager Manager • Hubli-Dharwad, IN
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