Senior Credit manager

Key Responsibilities Credit Underwriting & Decisioning · Review and approve loan applications within delegated authority limits. · Evaluate borrower creditworthiness through financial analysis, bureau assessment, banking behavior, and repayment capacity. · Ensure compliance with internal credit policies and regulatory guidelines. · Handle deviations, policy exceptions, and escalated credit cases. · Monitor high-value and high-risk loan proposals. Credit Policy & Risk Management · Assist in formulating and enhancing credit policies and underwriting frameworks. · Identify emerging portfolio risks and recommend mitigation measures. · Monitor portfolio performance, delinquency trends, and default rates. · Conduct periodic reviews of credit programs and scorecards. · Recommend changes in risk parameters based on portfolio behavior. Portfolio Monitoring · Analyze portfolio quality across customer segments, geographies, and channels. · Track early warning signals and implement corrective actions. · Review collections performance and coordinate with recovery teams. · Drive initiatives to reduce NPAs and credit losses.

Stakeholder Management · Collaborate with Business, Operations, Collections, Product, Technology, and Compliance teams. · Provide credit-related guidance and support to sales and operations teams. · Participate in internal and external audits. Team Leadership · Lead and mentor a team of credit analysts and managers. · Define performance goals and conduct periodic reviews. · Ensure adherence to SLAs and productivity standards. · Conduct training sessions on underwriting and risk assessment. Process Improvement & Automation · Drive automation and digitization initiatives in credit processes. · Participate in BRE (Business Rule Engine) design and enhancements. · Monitor underwriting efficiency and turnaround times. · Recommend process improvements to improve customer experience and risk controls.

Education · Bachelor's Degree in Finance, Commerce, Economics, Business Administration, or related field. · MBA (Finance) / CA / CFA preferred. Experience · 5+ years of experience in Credit Underwriting and Risk Management. · Experience in Personal Loans, Business Loans, Consumer Lending, SME Lending, or Digital Lending preferred. · Experience managing credit teams and approval authorities.