Hiring: Regional Credit Manager (RCM) – Credit
Location: Mumbai
Industry: Housing Finance / NBFC
We are looking for an experienced and driven Regional Credit Manager (RCM) to lead the regional credit function for Maharashtra (excluding Mumbai branch) with a fast-growing NBFC/Housing Finance company.
The ideal candidate will be responsible for managing regional credit operations, strengthening underwriting practices, building high-performing teams, and ensuring strong portfolio quality while supporting business growth.
Key Responsibilities:
- Lead and manage the regional credit function across Maharashtra.
- Set up, stabilize, and oversee credit operations for 15–20 branches.
- Build and manage regional credit teams including hiring, training, mentoring, and performance management.
- Evaluate and approve loan proposals for Home Loans, LAP (Loan Against Property), and other secured lending products within delegated authority limits.
- Ensure adherence to credit policies, underwriting standards, risk frameworks, and regulatory guidelines.
- Monitor portfolio quality, delinquency trends, and overall regional risk indicators.
- Work closely with Sales, Operations, Legal, Technical, and Collections teams to ensure efficient loan processing and portfolio management.
- Conduct branch audits, credit reviews, and field visits to strengthen underwriting quality and compliance.
- Develop and implement robust credit assessment and risk mitigation practices.
- Provide strategic insights and recommendations to senior management on regional credit performance and market risks.
- Maintain strong TATs while ensuring high credit quality standards.
Desired Candidate Profile:
- Qualified Chartered Accountant (CA) is mandatory.
- 10+ years of experience in Credit/Risk functions within Housing Finance, NBFCs, Banking, or Affordable Housing Finance sectors.
- Candidates with 8+ years of strong relevant experience may also be considered.
- Proven experience in managing regional credit operations and branch setups.
- Strong expertise in underwriting Home Loans and LAP products.
- Experience in leading and managing teams across multiple locations.
- Strong analytical, decision-making, and risk assessment skills.
- Excellent stakeholder management and communication abilities.
- Willingness to travel across Maharashtra (8–10 days per month).
Preferred Background:
- Candidates currently working with Housing Finance Companies, NBFCs, or Banks handling affordable housing finance portfolios will be preferred.
- Strong understanding of Maharashtra market dynamics is an advantage.
- Immediate joiners or candidates serving notice period up to 30 days preferred.
Interested candidates can share their resume at [Confidential Information]
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