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Zonal Credit Manager

Zonal Credit Manager

Green Start Management Consultancyguwahati, assam, in
5 hours ago
Job description

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.
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