About the role
- Ensure smooth functioning across zones by meeting productivity benchmarks and defined TATs for Asha Loan underwriting across regions.
- Oversee quality of credit decisions and portfolio performance across regions, ensuring alignment with Asha-specific underwriting frameworks.
- Drive consistency in credit decisions across regions by guiding RCMs on interpretation of policy, deviations and risk assessment in informal segments.
- Monitor portfolio health (FPD, delinquency trends, segment-wise risk indicators) and initiate zonal corrective strategies.
- Ensure adherence to audit, policy and compliance standards across all regions.
- Work closely with CO, Risk and Business teams to design and refine Asha underwriting norms and risk controls.
- Drive process efficiencies, digital adoption and participation in pilot initiatives specific to Asha Loans.
- Support expansion to new geographies and channels with controlled risk approach.
- Manage stakeholder relationships across Credit, Business, Ops and Risk functions to ensure alignment on growth vs quality.
- Lead capability building of Regional Credit Managers and ensure succession readiness.
- Drive team engagement, productivity and attrition management across zones.
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.