RC:Decentralized UW - Mortgages Credit-Regional Credit Manager-ASHA

• Ensure smooth functioning of the region by meeting defined productivity norms and maintaining Turn Around Time (TAT) for Asha loan cases, with continuous monitoring of Work-In-Progress (WIP) volumes.
• Ensure quality of credit appraisal for Asha segment, with focused assessment of informal income profiles and surrogate evaluation methods to minimize delinquency and build a robust portfolio.
• Drive adherence to underwriting policies, deviation frameworks and regulatory guidelines specific to Asha Loans.
• Ensure timely closure of audit queries, policy adherence and compliance requirements.
• Track portfolio health through early delinquency indicators (FPD, bounce trends) and take corrective actions at region level.
• Gather local market intelligence, including borrower behaviour, competition practices and emerging risk trends in the Asha segment.
• Collaborate with Business, Sales and Ops teams to balance growth with portfolio quality.
• Drive process improvements to enhance decision efficiency, TAT and customer experience for Asha Loans.
• Support roll-out of new locations, sourcing channels and product variants within Asha Loans.
• Manage vendors (FI agencies, technical agencies etc.) and ensure quality outputs.
• Lead, train and develop the credit team, ensuring capability building and managing attrition.

Optimal qualification for success on the job is:

• Graduate / Post- Graduation (MBA/ CA preferred) from good institute
• Experience in retail credit with team handling.

For successful execution of the job, the candidate should possess:

• Knowledge of credit, industry and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Team handling experience
• Ability to handle Pressure and meet deadlines.