National Credit Manager - Gold Loan

Credit Policy & Underwriting Framework:

• Policy Design & Revision: Design, review, and update credit underwriting policies, risk grading matrices, and product programs at a national level.

• Standardization: Ensure consistent credit appraisal, risk assessment, and decision-making standards across all regional branches and zones.

• Discretionary Authority: Review and approve high-value or complex credit proposals within delegated lending powers and escalate exceptions appropriately.

Portfolio Quality & Risk Management:

• NPA & Delinquency Control: Monitor national portfolio health, track Non-Performing Assets (NPAs), and keep net credit losses and write-offs within budgeted thresholds.

• Early Warning Signals (EWS): Implement and track EWS frameworks to identify stressed accounts, high-risk exposures, and emerging portfolio trends early.

• Fraud Prevention: Oversee checks for document manipulation, valuation discrepancies, and adverse field investigations.