Full description

Job Purpose: Manages
credit appraisal and decisioning for an assigned area/territory. Supervises
credit officers, balances risk with growth and ensures policy adherence.

Key Responsibilities:·
Lead area underwriting (home loans/LAP and other
secured retail products as applicable) within DOA.

·
Review CAMs, financials, banking surrogates, and
collateral; conduct field visits for high‑risk cases.

·
Ensure TAT adherence and reduce reworks through
coaching and first‑time‑right checks.

·
Monitor early delinquency/quality of approved
portfolio; provide feedback to sales and policy teams.

·
Drive PDD/deferral closure within SLA; ensure
maker–checker controls and sample QC audits.

·
Coordinate with legal/technical/ops for smooth
sanction‑to‑disbursement and
risk mitigation.

·
Maintain audit readiness and close observations on
time; train team on policy changes.

Skills Required:· Strong analytical
and financial evaluation skills.

· Knowledge of
retail credit and secure lending products.

· Leadership and
team coaching ability.

· Process
orientation and compliance focus.

Educational Qualifications and Experience:· Graduate /
Post-Graduate in Finance, Commerce, or related field.

· 4-7 years in
credit appraisal/underwriting with team handling experience.