Credit Head - Tractor Finance - Bangalore

Role Purpose

To lead and drive the overall credit strategy for the Tractor Finance business across India. The role will be responsible for credit policy formulation, underwriting standards, portfolio risk management, governance, asset quality and profitable business growth.

Key Responsibilities

1. Lead the national credit function for Tractor Finance across all regions and branches in India.
2. Formulate and implement national credit policies, underwriting frameworks and risk management strategies.
3. Establish appropriate credit appraisal and approval mechanisms for tractor and farm equipment loans.
4. Drive portfolio quality, NPA management, delinquency control and credit cost optimisation.
5. Oversee credit risk assessment across rural and semi-urban markets.
6. Develop risk models based on agricultural income, landholding, crop patterns, repayment capacity and borrower profiles.
7. Monitor portfolio performance through PAR, GNPA, NNPA, bounce rates and vintage analysis.
8. Lead national credit teams, including zonal, regional and branch-level credit leadership.
9. Work closely with CEO, Business Head, CRO, Collections and Operations leadership.
10. Ensure regulatory compliance, credit governance and internal audit requirements.
11. Drive digital underwriting, automation and data-driven credit decision-making.
12. Balance business growth with prudent risk appetite and sustainable profitability.