Regional Credit Manager

Credila Financial Services Limited; Ahmedabad District; Presencial; INR 3.500.000 - 5.500.000; Jornada completa

Descripción de la vacante

Credila Financial Services Limited in India seeks a Regional Credit Manager to supervise Credit Managers at the location and lead underwriting decisions, while ensuring portfolio quality and policy compliance.

The role includes collaborating with the Chief Credit Officer on underwriting vision, pursuing automation projects with AI, and guiding the team to achieve growth with a healthy risk profile.

Formación

• Experience in retail loans, education loans, LAP or PL products.
• Hands-on experience of Credit Underwriting, Credit verification processes, People management skills.
• Excellent communications abilities in English and any regional language.
• Servicing ability in terms of processing TAT and relationship management.
• Excellent interpersonal skills, Team player and Motivator.

Responsabilidades

• Oversee Credit Managers at the location and lead underwriting decisions, handle deviations and exceptions.
• Collaborate with Chief Credit Officer to plan underwriting vision, develop policies and processes.
• Drive automation and AI projects related to underwriting processes.
• Partner with business heads to grow the book while maintaining portfolio quality and low NPAs.
• Manage end-to-end credit approvals within agreed TAT and ensure policy compliance.

Conocimientos

Retail loans knowledge

Credit underwriting

Credit verification

People management

Communication skills

Educación

Chartered Account, Chartered Financial Analyst or MBA Finance

Descripción del empleo

Credila Financial Services Limited is India's largest education-focused NBFC, providing tailored education financing solutions to students pursuing higher education in India and globally. Founded in 2006, Credila has funded over 268,000 students across 70+ countries, manages an AUM of ₹51,444 crore, and holds over 20% market share in the education loan segment. The company combines deep education-sector expertise, technology-driven processes, and strong risk management to enable students to access world-class educational opportunities.

Job Description

The Regional Credit Manager has a critical role in managing Credit Managers at the location. The incumbent will lead Credit underwriting and Portfolio quality management and will be responsible for all Underwriting decisions, approvals, deviations and exception management at the location.

Key roles and responsibilities

• Work with the Chief Credit Officer in planning Credit Underwriting vision along with creating credit and underwriting policies & processes
• Work with the Chief Credit Officer in conceiving and executing automation and AI projects related to Credit Underwriting processes
• Partner with business heads to develop a growth strategy for the company with emphasis on maintaining a healthy portfolio and minimal stress accounts/NPAs

Maintaining Credit Quality

• Managing respective vendors for maintaining quality and TAT for all verification and validation
• Monitoring and doing consistent sample checks on verification and vendor processes
• Screening borrower profiles for maintaining the input quality of credit system.

Implementation of risk management tools, Initiate processes Improvement and Impart training

• Adherence to credit decisioning parameters as per Credit Policy on loan proposals
• Initiate new product and policy amendments based on local market experience.
• Initiate and Implement process improvements for better customer experience while maintaining the organization’s risk appetite.
• Deliver structured training regularly to both internal teams and business associates.

Relationship Management, Customer Service and Team Management

• Manage end to end credit approval process within agreed turnaround times (TATs) and be responsible for all underwriting decisions, approvals, deviations and exceptions for the location
• Collaborate with recoveries and analytics teams to generate business insights to improve the credit appraisal process
• Identify and mitigate risk through regular portfolio monitoring and take timely decisions on exposure levels, collateral etc.
• Effectively manage the location credit team and guide team members to take credit risk decisions aligned with the company’s risk appetite
• Ensure the provision of ongoing training and that all employees are suitably skilled and qualified for their roles
• Ensure compliance with all relevant credit policies and procedures

Identify, analyze and propose mitigation measures for various risks applicable to the credit function at the location

Skills

• Extensive Knowledge of retail loans preferably Education Loans, LAP or PL products
• Hands-on experience of Credit Underwriting, Credit verification processes, People management skills.
• Excellent communications abilities in English and any regional language
• Servicing ability in terms of processing TAT (Turnaround Time) and relationship management.
• Excellent interpersonal skills, Team player and Motivator

Qualifications

• Chartered Account, Chartered Financial Analyst or MBA Finance

Experience

• 12-15 years of related work experience in the financial services sector