Muthoot Microfin - Regional Credit Manager

Role Description:

- We are looking for a dynamic Regional Credit Manager to join our Nagpur team.
- This full-time, on-site position is pivotal to maintaining the financial health and stability of our regional loan portfolio.
- The role involves comprehensive oversight of credit management activities, including risk assessment, loan disbursement monitoring, and compliance adherence.
Key Responsibilities:

- Lead and manage credit risk assessment for the region's portfolio to ensure minimal defaults and healthy asset quality.
- Monitor and oversee loan disbursements, recoveries, and repayments, ensuring alignment with company standards and policies.
- Conduct in-depth credit analysis and due diligence on loan applications and borrower profiles.

- Collaborate with field teams to address and resolve credit-related issues and to implement risk mitigation strategies.
- Ensure full compliance with internal policies and regulatory requirements, maintaining documentation and audit readiness.
- Generate regular reports on portfolio performance, risk metrics, and credit trends for senior management review.
- Mentor and guide credit officers and operational staff within the region to enhance credit assessment capabilities.
Qualifications & Experience Education:

- Bachelor's degree in Finance, Accounting, Economics, or a closely related field is mandatory.
- Master's is a plus.
Experience:

- Minimum 5 to 6 years of professional experience in credit management or credit risk roles, preferably within microfinance, banking, or financial services sectors.
- Proven track record of managing regional or branch-level credit portfolios with significant exposure to retail or microfinance lending.
- Experience in credit risk assessment, loan underwriting, and portfolio quality management.
- Familiarity with JLG or similar group lending models is highly desirable.
Skills:

- Strong analytical and quantitative skills with the ability to interpret financial data and credit reports.
- Excellent verbal and written communication skills to interact effectively with internal teams, borrowers, and regulatory authorities.
- Demonstrated problem-solving capabilities with keen attention to detail.
- Ability to work independently while effectively collaborating within a cross-functional team.
- Proficiency in relevant financial software and MS Office application.