Regional Credit Manager - Unsecured Lending

Job Responsibilities: 1. Credit Evaluation & Underwriting: Assess creditworthiness of applicants for Unsecured Business Loans based on financials, banking history, and business performance. Ensure timely credit decisions while maintaining portfolio quality and risk standards. Evaluate income documents, bank statements, GST returns, and financial statements for credit assessment. Implement scorecard-based lending models and risk-based pricing strategies. 2. Risk Management & Policy Adherence: Maintain credit quality by ensuring compliance with internal credit policies & RBI guidelines. Identify potential frauds, assess market risks, and take preventive measures. Monitor early warning signals (EWS) to minimize delinquencies and NPAs. 3. Portfolio Monitoring & Loan Approval: Approve/recommend loan applications within delegated authority levels. Conduct periodic portfolio reviews, ensuring healthy credit hygiene & minimal delinquencies. Work closely with risk analytics teams for portfolio performance analysis. 4. Coordination & Stakeholder Management: Work closely with sales, collections, and policy teams to drive business objectives. Provide guidance to the sales team on structuring deals for high-ticket loans. Conduct training sessions for credit & sales teams on underwriting policies and risk assessment. 5. Compliance & Audits: Ensure 100% compliance with regulatory and internal credit norms. Address audit queries and ensure timely resolution of credit-related issues.