Lead - Credit Compliance

Equitas Small Finance Bank; Chennai District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Equitas Small Finance Bank in India seeks an External Title Lead - Credit Compliance to oversee regulatory and policy compliance across credit underwriting, loan origination and processing.

The role emphasizes pre- and post-approval reviews for high-value files, audit and exception management, and advisory support to sales and underwriting teams on KYC/AML norms. You will drive training and ensure documentation integrity in a dynamic banking environment.

Qualifications

• Regulatory and policy compliance across credit underwriting and loan processing.
• Ensure alignment with internal credit policies and external banking regulations.
• Audit and exception management to identify policy deviations and remediation.

Responsibilities

• Regulatory and Policy Compliance: Ensure underwriting and processing align with policies and regulations.
• Audit and Exception Management: Identify exceptions, missing documentation, or policy deviations; track remediation and reporting.
• Process Training and Advisory: Guide sales, lead generation, and credit underwriting teams on updated compliance mandates, KYC/AML norms, and documentation requirements.

Skills

Credit Risk

Risk Management

Data Analysis

Strategic Business Orientation

Education

BACHELOR OF COMMM

Job description

External Title Lead - Credit Compliance

Employment Type Permanent

Employment Category Office

Entity Equitas Small Finance Bank

Generic Role Lead - Credit Compliance

External Title (Job Role) Lead - Credit Compliance

Zone Head Office

State Tamil Nadu

Region Head Office

Area Head Office

Branch Code 9999

Branch Name Head Office

Skills

Skill

Risk Management Data Analysis-Desirable Strategic Business Orientation Credit Risk-Mandatory

BACHELOR OF COMMM

Job Description

• Regulatory and Policy Compliance
  • Responsibility: Ensure all credit underwriting, loan origination, and processing activities align with internal credit policies and external banking regulations or lending laws.
  • Key Metric: Zero major compliance breaches or regulatory penalties during audits. [1 ]
• Responsibility: Conduct rigorous pre-approval and post-approval reviews of high-value or complex credit files to validate accuracy and risk thresholds.
• Key Metric: Turnaround time for compliance sign-off and accuracy percentage of file evaluations.
• Audit and Exception Management
  • Responsibility: Identify credit exceptions, missing documentation, or policy deviations; track remediation and reporting.
  • Key Metric: Percentage of identified exceptions resolved within the designated SLA (Service Level Agreement).
• Process Training and Advisory
  • Responsibility: Guide sales, lead generation, and credit underwriting teams on updated compliance mandates, KYC/AML norms, and documentation requirements.
  • Key Metric: Frequency of team training sessions and reduction in recurring documentation error