Head Of Credit - Home Loan / Lap - Informal Income

About the Role

The Head of Credit will lead credit, underwriting, and portfolio risk management for the organization. The role is responsible for defining credit frameworks, ensuring asset quality, and enabling business growth through prudent credit practices.

This leader will manage zonal and regional credit teams, partner with Business, Collections, and Operations, and maintain strong governance, compliance, and portfolio health across the network.

Key Responsibilities

• Develop and implement credit policy, product programs, and delegation frameworks.
• Ensure consistent credit decisions and documentation standards across locations.
• Drive portfolio quality targets (PAR, NPA, Early Mortality) through proactive monitoring and controls.
• Oversee valuation, legal, and technical checks;

ensure adherence to risk and regulatory norms.

Candidate Profile

CA / MBA (Finance) preferred.