Regional Credit Manager-Affordable Home Loans

Job purpose:

To lead and manage the regional credit function for the Affordable Home Loan business, ensuring quality credit underwriting, portfolio health, business growth, and adherence to the company's credit policies and regulatory guidelines across multiple branches.

Role & responsibilities

• Manage regional credit operations across multiple branches.
• Review, assess, and approve affordable home loan proposals as per delegated authority.
• Evaluate customer income, repayment capacity, FOIR, LTV, banking, and credit history.
• Handle underwriting of salaried, self-employed, and informal-income customers.
• Ensure timely credit appraisal and sanction within defined TAT.
• Monitor portfolio quality, DPD, FPD, GNPA, and early delinquency.
• Identify credit risks, potential frauds, and policy deviations.
• Ensure compliance with company credit policies and RBI/NHB guidelines.
• Coordinate with regional sales, operations, legal, and technical teams.
• Lead, guide, and develop the regional credit team.
• Conduct regular branch visits and credit quality reviews.
• Support business growth while maintaining portfolio quality.
• Ensure audit compliance and timely closure of observations.