Regional Credit Manager- North (Affordable LAP)

Objective:

To evaluate, underwrite, and approve LAP (Loan Against Property) proposals within defined credit policies for the Micro LAP segment (≤ ₹40 Lakhs ticket size). Ensure balanced credit decisioning while maintaining portfolio quality and minimizing risk.

Key Responsibilities:

• Credit Appraisal:

• Underwrite LAP proposals for self-employed and informal borrowers as per defined credit policy and risk framework.

• Policy & Compliance:

• Ensure adherence to internal credit policies, RBI norms, and regulatory guidelines during loan evaluation.

• Income & Risk Assessment:

• Analyze customer financials, income surrogates, banking patterns, property papers, and repayment capacity.

• Portfolio Monitoring:

• Track bounce rates, delinquency trends, and early warning signals (EWS) to maintain portfolio health.

• Process Efficiency:

• Collaborate with Operations and Sales to improve TAT and underwriting quality.

• Business Coordination:

• Work closely with Business Head, Sales, and Product teams to align growth with risk controls.

• Fraud & Risk Mitigation:

• Ensure field verifications, de-dupe checks, and property/legal due diligence.

• MIS & Analytics:

• Support credit governance with relevant MIS, dashboards, and portfolio insights.

• Training & Policy Communication:

• Conduct training and refresher sessions for Sales and DSA teams on credit policies and documentation standards.

Key skills and Qualification:

1. Experience:

   5–8 years in Credit Underwriting for Secured Loans (LAP/SME/Housing Finance preferred).

2. Qualification:

   Graduate / MBA / CA preferred.

3. Domain Expertise:

   Income surrogate programs, property valuation norms, legal risk assessment, credit risk frameworks, and LOS/digital underwriting systems.

4. Behavioral Skills:

   Strong analytical decision-making, risk governance mindset, stakeholder management, and ability to deliver under high volume with tight TATs