Credit Head - Small LAP

Responsibilities :

- Responsible for Credit Underwriting of Small LAP.

- Responsible for development of credit & risk management strategies for loans acquisition ensuring sustainable business growth & healthy portfolio for Small LAP products.

- Setting up process structure for credit risk & quality framework including the policy, Early warning Signals, Post disbursement monitoring process, etc.

- Managing portfolio, delinquency, PDD, vendors etc within TAT and in compliant manner.

- Lead a team of Credit Managers, State Credit Manager & Zonal Credit Manager.

- People & team recruitment, development through continuous training programs, ensuring a solid risk management culture.

- Engaged in development, automation, implementation, review and monitoring of various credit policies, scorecard-based decision process, products improving revenues, making relevant changes in scorecard policies & process basis portfolio behavior.

Mandatory experience

- Overall experience into Credit & Under-writing - 15 to 20 years

- Minimum 3-5 years' experience in School / Institution funding is mandatory candidate should be only from banking and NBFC