National Credit Head – LAP – NBFC

National Credit Head – LAP – NBFC (15-20 yrs)

About the job:

We are seeking an experienced Head – Credit to lead our overall Credit function.

In this strategic leadership role, you will oversee credit underwriting, policy creation, risk assessment, sanctioning, portfolio quality, and credit controls, while mentoring a high-performing team to support sustainable business growth.

Key Responsibilities:

Strategic Credit Leadership:

– Lead end-to-end credit appraisal, underwriting, and risk management operations across all branches.

Underwriting & Sanctioning:

– Oversee approval for LAP, Mortgage, and secured lending proposals.

– Evaluate LTV, FOIR, DSCR, bureau profiles, property collateral, and high-value deviation cases.

Policy & Risk Management:

– Formulate and review Credit Policies, SOPs, and deviation frameworks.

– Monitor portfolio health, early warning indicators, and delinquency trends to mitigate risk.

Process & Portfolio Efficiency:

– Track key credit indicators (TAT, sanction-to-disbursement ratios, rejection rates) and drive process automation and digital underwriting.

Stakeholder & Team Alignment:

– Partner with Sales, Operations, Risk, Legal, and Collections teams.

– Mentor and manage the credit team, defining KRAs and training pipelines.

Governance & Regulatory Compliance:

– Ensure full compliance with RBI regulations, internal controls, and support internal/external audit closures.

Key Requirements:

– 12 – 18+ years of progressive experience in Credit, Underwriting, and Credit Risk within an NBFC, HFC, Bank, or Financial Institution.

– Deep expertise in LAP, Mortgages, Home Loans, and property-backed secured lending.

– Proven track record in managing large-scale credit operations, policy implementation, and multi-location credit teams.