๐ง๐ต๐ถ๐ ๐ฟ๐ผ๐น๐ฒ ๐ถ๐ ๐ณ๐ผ๐ฟ ๐ผ๐ป๐ฒ ๐ผ๐ณ ๐๐ต๐ฒ ๐ช๐ฒ๐ฒ๐ธ๐ฑ๐ฎ๐'๐ ๐ฐ๐น๐ถ๐ฒ๐ป๐๐
๐ฆ๐ฎ๐น๐ฎ๐ฟ๐ ๐ฟ๐ฎ๐ป๐ด๐ฒ: ๐ฅ๐ ๐ญ๐ด๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ - ๐ฅ๐ ๐ฏ๐ฑ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ (๐ถ๐ฒ ๐๐ก๐ฅ ๐ญ๐ด-๐ฏ๐ฑ ๐๐ฃ๐)
Experience: 7+ yrs
Location: Delhi, India
As a Regional Credit Manager, you will lead the credit strategy and execution for education loan portfolios across Delhi, ensuring that underwriting standards align with regulatory requirements and organizational risk appetite. You will analyze market trends, develop credit policies, and collaborate with cross-functional teams to optimize loan performance and mitigate defaults. Your role will involve mentoring junior credit analysts, driving process improvements, and reporting key metrics to senior leadership to inform business decisions. By combining analytical rigor with industry insight, you will help expand market share while maintaining robust risk controls.
Requirements
๐๐ฒ๐ ๐ฅ๐ฒ๐๐ฝ๐ผ๐ป๐๐ถ๐ฏ๐ถ๐น๐ถ๐๐ถ๐ฒ๐
โข Design and implement credit underwriting policies specific to education loan products
โข Conduct portfolio risk assessments and annual reviews to monitor loan quality
โข Develop credit scoring models and guidelines for student and parent borrowers
โข Liaise with risk, compliance, and regulatory teams to ensure adherence to banking norms
โข Provide strategic input into pricing, product development, and market positioning
โข Lead a regional team of credit officers, setting objectives and performance metrics
โข Drive process efficiencies in loan origination, underwriting, and credit monitoring
โข Prepare and present periodic reports on portfolio performance and risk indicators
โข Identify and manage highโrisk segments, initiating appropriate remedial actions
โข Champion continuous learning and professional development within the credit function
๐ช๐ต๐ฎ๐ ๐ ๐ฎ๐ธ๐ฒ๐ ๐ฌ๐ผ๐ ๐ฎ ๐๐ฟ๐ฒ๐ฎ๐ ๐๐ถ๐
โข 7+ years of experience in credit underwriting, preferably in education loans
โข Strong knowledge of Indian banking regulations and credit risk frameworks
โข Proven ability to develop and refine credit scoring models
โข Demonstrated leadership and people management skills in a regional setting
โข Excellent analytical, communication, and stakeholderโmanagement abilities
โข Track record of improving portfolio performance while maintaining compliance
โข Experience with credit risk analytics tools and dataโdriven decision making
โข Proficient in MS Office, especially PowerPoint and Excel for reporting
โข Demonstrated adaptability in a dynamic financial environment
โข Commitment to ethical practices and continuous professional development