Regional Credit Manager

Job Details :

A. Credit Assessment & Underwriting

• Evaluate MSME loan proposals, including Business Loans, LAP and other secured/unsecured lending products.
• Assess financial statements, bank statements, GST returns, ITRs, balance sheets and cash flows.
• Analyse borrower repayment capacity, FOIR, DSCR, leverage and creditworthiness.
• Review CIBIL, CRIF, Equifax and other bureau reports.
• Ensure proper assessment of business vintage, turnover, profitability and existing obligations.
• Approve or recommend credit proposals within delegated authority.

B. Regional Credit Operations

• Manage and supervise the regional credit team.
• Ensure timely evaluation and processing of loan applications.
• Monitor TAT and maintain quality standards in credit appraisal.
• Coordinate with Sales, Operations, Risk and Central Credit teams.
• Conduct periodic branch visits and credit file audits.

C. Risk Management & Portfolio Quality

• Monitor portfolio performance, delinquency, PAR, SMA and NPA trends.
• Identify high-risk cases, early warning signals and potential fraud indicators.
• Ensure adequate risk mitigation before loan disbursement.
• Monitor deviations, policy exceptions and credit quality.
• Take corrective actions to control portfolio deterioration.

D. Compliance & Documentation

• Ensure adherence to internal credit policies and regulatory guidelines.
• Verify KYC, financial documents, property documents and legal/technical reports.
• Ensure compliance with sanction conditions and pre-disbursement requirements.
• Maintain proper documentation and audit readiness.

E. Team Management & Business Coordination

• Lead, guide and develop the regional credit team.
• Set productivity and quality benchmarks.
• Conduct regular performance reviews and training.
• Work closely with Regional Business Heads to achieve business targets without compromising credit quality.

3. Key Performance Indicators (KPIs)

1. Credit appraisal TAT and productivity.
2. Portfolio delinquency and PAR performance.
3. NPA and credit loss ratio.
4. Credit approval quality and rejection ratio.
5. Policy deviation and exception control.
6. Fraud identification and prevention.
7. Audit observations and compliance.
8. Team productivity and performance.
9. Post-disbursement portfolio monitoring.

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