Job Description
We are looking for an experienced Zonal Credit Manager to lead the credit function across South India for a leading financial services/NBFC organization.
The role will involve managing a team of credit professionals and overseeing the end-to-end credit function across the southern region, with a strong focus on credit quality, policy adherence, risk management, and business support.
Key Responsibilities
• Lead and manage the Zonal Credit team across South India
• Oversee credit appraisal, assessment, sanction and portfolio quality across the region
• Ensure effective implementation of credit policies, processes and risk frameworks
• Drive portfolio monitoring and proactively identify credit risks
• Partner closely with Sales and Business teams to enable quality business growth
• Review complex/high-value credit proposals and provide sound credit recommendations
• Monitor portfolio performance, delinquency trends and early warning indicators
• Coach, develop and manage the regional credit team
• Ensure strong governance, compliance and adherence to internal credit guidelines
• Work closely with the National Credit Manager on regional credit strategy and portfolio performance
Ideal Profile
✔️ 10–15+ years of experience in Credit / Credit Underwriting / Risk Management
✔️ Strong experience in retail lending / NBFC / financial services
✔️ Proven experience in team and regional/zonal credit management
✔️ Strong understanding of credit assessment, underwriting and portfolio management
✔️ Strong stakeholder management and decision-making skills
✔️ Candidates currently based in Hyderabad or open to relocating will be preferred
If you are an experienced credit professional looking for an opportunity to lead the credit function for an entire region, we would be keen to hear from you.
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