Regional Credit Manager

We are seeking a  Regional Credit Manager  to oversee the overall credit and risk functions for assigned areas. You will be responsible for processing and underwriting  Construction Finance deals , ensuring adherence to credit policy, and maintaining portfolio quality. This role requires a leader who can manage vendor relationships, contribute to credit policy design, and ensure compliance and training initiatives are met across the region.

Roles & Responsibilities :
Credit & Risk Management :
Manage overall credit and risk functions for assigned areas/locations. Responsible for processing and underwriting  Construction Finance deals  as per credit policy.
Policy Adherence & TAT :
Ensure adherence to credit policy and defined processes, including  TAT management ,  PD management ,  CAM quality , and  Fraud Risk Management .
Business Enablement :
Facilitate the business team in achieving monthly/annual business targets.
Portfolio Quality :
Maintain portfolio quality, and be responsible for collections, delinquency, and  NCL management .
Credit Policy Inputs :
Provide inputs for designing and implementing credit policy and programs, new initiatives, and periodic changes based on sales team input and market feedback. Offer insights on competitor product and policy.
Site Visits & Due Diligence :
Visit builder sites/client sites and prepare and submit reports on project completion, client business activity, and neighborhood/customer feedback.
Post-Disbursement Management :
Responsible for  PDD monitoring  and collateral management. Coordinate with the Operations team for disbursal and the PDD process.
Vendor Management :
Monitor and manage various vendors, including Legal, Valuation,  CPV ,  FCU ,  ROC Search , and Stock Audit agencies. This includes vendor TAT management, visits, and payment management.
Team & Resource Management :
Hire credit resources as per manpower budgeting, manage attrition, and oversee performance.
Compliance & Training :
Ensure audit and regulatory compliance for your location/area. Coordinate training programs for credit/sales teams and impart induction training for subordinates.
Market Intelligence :
Conduct reference checks for prospective borrowers from market links and existing lenders.
Reporting :
Manage  MIS  for your vertical.

Skills Required:

Proven experience in credit and risk management, particularly in  Construction Finance .
Strong understanding of credit policies, underwriting processes, and  fraud risk management .
Expertise in portfolio quality management, including collections, delinquency, and  NCL .
Experience in vendor management and site visit assessments.
Ability to contribute to credit policy design and implementation.
Strong leadership skills for team management, hiring, and performance oversight.
Excellent communication, coordination, and analytical skills.

QUALIFICATION:

Bachelor's or Master's degree in Finance, Business Administration, or a related field, or equivalent experience.