Area Credit Head

PeopleStrong; Lucknow; On-site; INR 900,000 - 1,300,000; Full time

Job summary

PeopleStrong in India seeks an experienced risk management professional to oversee regional portfolios, calibrate capacity plans, and drive policy adherence. The role includes mentoring 10+ risk managers and ensuring timely, customer-focused decision making.

You will work with bureau/rating agencies, conduct stress tests, and collaborate with business units to mitigate credit risks and optimize portfolio performance.

Qualifications

• Experience in risk management for credit/portfolio domains.
• Ability to mentor mid-level managers and lead a risk team.
• Strong interpersonal and communication skills.

Responsibilities

• Regularly review and monitor regional portfolio; identify grey areas needing management attention.
• Track portfolio movements in-line with management mandate.
• Quality is measured by delinquency, bounce rates, loss numbers, RCR and file scores.
• Calibrate capacity plans per business needs and manage risk arising from credit/process activities.
• Perform periodical stress tests in markets with real estate price movements.
• Review bureau/rating agency and collection reports for risk mitigation.
• Take decisions aligned to management directives with customer focus; improve system efficiency.
• Mentor 3–4 middle-layer managers toward progressive career paths.
• Train and communicate underwriting standards; supervise a 10+ risk managers team.
• Interact with business teams to incorporate changes; drive productivity improvements.

Skills

Portfolio review

Risk management

Team leadership

Tools

Credit/Process risk tools

Job description

Supporting Actions(Max 1325 Characters)

• Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.
• Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables

Business & Financial Management

• Calibrate the capacity plan in line with business needs
• Identify and act upon various risk arising out of credit/process activities
• Risk mitigation- bureau/rating agencies/collection reports to be reviewed
• Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices
• Track and react to external influence on portfolio Bureau/rating agencies

Customer Focus

• Take decisions which are aligned to the management directive keeping customer in mind
• Bring in the efficiency in the system by enabling decisions being taken within defined timelines
• Understand the Prime LAP business in smaller towns say tier 3 - 4 markets

People/Team Management

• Effective training and timely communication of policy & underwriting standard
• Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review
• Interaction with business and allied teams to incorporate changes

Strong interpersonal skills to manage team size of 10+ risk managers

Capable to mentor 3 - 4 middle layer Managers towards progressive career path

Productivity Management & Improvement

• Productivity and its management is the key deliverable
• Quality is measured by no of files managed on monthly basis
• Initiatives for improving the productivity at every level is also one of the key deliverables