Job Overview
The bank's Regional Credit Head leads all Retail Assets' credit underwriting, risk assessment, and portfolio quality for lending operations within a designated geographical area. Manage regional credit approval workflows, balance portfolio growth with risk mitigation, and lead a local team of underwriters or credit analysts. Enforce credit policies, maintain turnaround time (TAT), and control delinquency rates.
Key Responsibilities
1) Underwriting & Approval: Review and approve high-value or complex retail, mortgage (HL/LAP), or commercial credit proposals within a defined approval matrix.
2) Risk & Policy Compliance: Authorise policy deviations, monitor portfolio health (bounce rates, early delinquencies), and implement local risk strategies.
3) Team Leadership: Manage, coach, and train regional credit analysts and branch-level approvers to upgrade competency and efficiency.
4) Cross-Functional Collaboration: Partner closely with sales, operations, and recovery teams to streamline loan sanctioning and post-disbursement documentation.
5) Responsible for processing all the Retail Asset Loans such as HL, LAP, BL, PL, etc.
Ideal Candidates: Looking for a TL with good experience in credit risk and underwriting functions within banks managing Retail Assets. The applicant must have strong financial and bureau analysis, decision-making, local market intelligence, and team management.