Regional Credit Manager

IIFL Finance; Pune District; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

IIFL Finance in Pune seeks a Senior Regional Credit Leader to drive home loan and LAP credit approvals within delegated authority, while upholding credit policies and regulatory guidelines.

You will lead regional credit teams, mentor staff, monitor portfolio quality, TAT, and coordinate with Sales, Operations, Legal, Technical and Collections to balance growth with risk.

Ideal candidates have CA or MBA, 10–15 years in Home Finance or NBFCs, and a track record of managing high-yield cases.

Qualifications

• CA or MBA mandatory with relevant professional experience.
• 10–15 years of experience in Home Finance, HFCs, NBFCs, or Retail Banking.
• 3–5 years in regional credit leadership role; exposure to high yield cases.

Responsibilities

• Approve home loan and LAP proposals within delegated authority.
• Assess borrower eligibility, repayment capacity, collateral, and legal/technical reports.
• Ensure compliance with credit policies, regulatory guidelines, and risk framework.
• Monitor portfolio quality, delinquency trends, and recommend corrective actions.
• Partner with Sales, Operations, Legal, Technical, and Collections to balance growth with risk.
• Lead and mentor regional credit teams, ensuring productivity and turnaround time (TAT) targets.
• Review credit MIS, portfolio performance, and exception cases for senior management.
• Drive process improvements and standardization across the region.

Education

CA professional

MBA

Job description

Key Responsibilities:

• Approve home loan and LAP proposals within delegated authority.
• Assess borrower eligibility, repayment capacity, collateral, and legal/technical reports.
• Ensure compliance with credit policies, regulatory guidelines, and risk framework.
• Monitor portfolio quality, delinquency trends, and recommend corrective actions.
• Partner with Sales, Operations, Legal, Technical, and Collections to balance growth with risk.
• Lead and mentor regional credit teams, ensuring productivity and turnaround time (TAT) targets.
• Review credit MIS, portfolio performance, and exception cases for senior management.
• Drive process improvements and standardization across the region.

Preferred candidate profile

• Qualified CA professional/ MBA is mandatory
• 1015 years of experience in Home Finance, HFCs, NBFCs, or Retail Banking.
• Minimum 3–5 years in a regional credit leadership role.
• Exposure in managing high yield cases.