National Credit Head - LAP - NBFC

Job Description

We are seeking an experienced Head – Credit to lead our overall Credit function. In this strategic leadership role, you will oversee credit underwriting, policy creation, risk assessment, sanctioning, portfolio quality, and credit controls, while mentoring a high-performing team to support sustainable business growth.

Key Responsibilities

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• Strategic Credit Leadership: Lead end-to-end credit appraisal, underwriting, and risk management operations across all branches.
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• Underwriting & Sanctioning: Oversee approval for LAP, Mortgage, and secured lending proposals. Evaluate LTV, FOIR, DSCR, bureau profiles, property collateral, and high-value deviation cases.
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• Policy & Risk Management: Formulate and review Credit Policies, SOPs, and deviation frameworks. Monitor portfolio health, early warning indicators, and delinquency trends to mitigate risk.
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• Process & Portfolio Efficiency: Track key credit indicators (TAT, sanction-to-disbursement ratios, rejection rates) and drive process automation and digital underwriting.
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• Stakeholder & Team Alignment: Partner with Sales, Operations, Risk, Legal, and Collections teams. Mentor and manage the credit team, defining KRAs and training pipelines.
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• Governance & Regulatory Compliance: Ensure full compliance with RBI regulations, internal controls, and support internal/external audit closures.
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Key Requirements

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• 12–18+ years of progressive experience in Credit, Underwriting, and Credit Risk within an NBFC, HFC, Bank, or Financial Institution.
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• Deep expertise in LAP, Mortgages, Home Loans, and property-backed secured lending.
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• Proven track record in managing large-scale credit operations, policy implementation, and multi-location credit teams.
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