Head of credit underwritings

Job Description:

• 1. Credit & Underwriting Oversight

• Define and implement credit policies underwriting guidelines and approval frameworks for housing loans and allied products.

• Monitor loan origination appraisal and sanction processes to ensure quality accuracy and compliance.

• Approve high-value or complex credit proposals in line with delegated authority.

• Continuously refine underwriting models credit scoring and risk assessment tools.

• 2. Risk Management

• Identify assess and mitigate credit operational and portfolio risks across the organization.

• Establish early warning systems to monitor portfolio quality delinquencies and potential NPAs.

• Develop and implement risk management strategies including credit risk appetite and limits.

• Monitor and report key risk indicators (KRIs) to senior management and the board.

• 3. Policy Formulation & Governance

• Develop implement and periodically review policies related to credit underwriting collections and risk management.

• Ensure policies are compliant with RBI/NHB regulations industry best practices and organizational objectives.

• Provide guidance and training to teams on policy interpretation and compliance.

• 4. Portfolio Quality & Monitoring

• Oversee portfolio monitoring NPA management and recovery strategies.

• Analyze trends in delinquency write-offs and provisioning requirements.

• Work closely with the Collections Legal and Operations teams to minimize risk exposure.

• 5. Leadership & Team Management

• Lead mentor and manage teams in credit underwriting risk management and policy.

• Set performance targets monitor KPIs and drive accountability.

• Promote a risk-aware compliant and customer-centric culture across teams.

• 6. Reporting & Stakeholder Management

• Prepare periodic MIS and analytical reports on credit performance risk and portfolio health.

• Present insights and recommendations to the CEO Board and regulatory authorities.

• Liaise with auditors regulators and external agencies for compliance reviews and risk assessments.