๐ง๐ต๐ถ๐ ๐ฟ๐ผ๐น๐ฒ ๐ถ๐ ๐ณ๐ผ๐ฟ ๐ผ๐ป๐ฒ ๐ผ๐ณ ๐๐ต๐ฒ ๐ช๐ฒ๐ฒ๐ธ๐ฑ๐ฎ๐'๐ ๐ฐ๐น๐ถ๐ฒ๐ป๐๐
๐ฆ๐ฎ๐น๐ฎ๐ฟ๐ ๐ฟ๐ฎ๐ป๐ด๐ฒ: ๐ฅ๐ ๐ญ๐ด๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ - ๐ฅ๐ ๐ฎ๐ณ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ (๐ถ๐ฒ ๐๐ก๐ฅ ๐ญ๐ด-๐ฎ๐ณ ๐๐ฃ๐)
Experience: 12+ yrs
Location: Hyderabad, Telangana, India
Job Type: Full-time
We are looking for an experienced Zonal Credit Manager โ South Zone to lead credit risk, underwriting, and portfolio quality across Andhra Pradesh, Telangana, and Tamil Nadu . Based in Hyderabad, this role will be responsible for maintaining strong underwriting standards, ensuring effective credit governance, monitoring portfolio performance, and leading a team of credit professionals.
The ideal candidate will bring extensive experience in NBFC or banking credit and underwriting , strong regional portfolio-management capabilities, and the ability to balance business growth with disciplined risk management.
Requirements
Key Responsibilities
โขOwn credit risk and underwriting across Andhra Pradesh, Telangana, and Tamil Nadu.
โขLead, mentor, and develop a team of six credit professionals.
โขEstablish and maintain strong underwriting standards across the zone.
โขMonitor portfolio quality, credit performance, delinquency trends, and emerging risks.
โขIdentify portfolio-level risks and drive timely corrective and preventive actions.
โขPartner closely with Sales, Collections, Operations, and Business teams to balance growth objectives with credit discipline.
โขReview and evaluate complex or high-value credit proposals and provide appropriate recommendations.
โขConduct regular branch and dealer credit audits to ensure adherence to policies and processes.
โขEnsure compliance with established credit policies, risk controls, and regulatory requirements.
โขIdentify gaps in underwriting practices and recommend improvements to strengthen portfolio quality.
โขProvide zonal market and portfolio insights to contribute to national credit policy and strategy.
โขTrack key credit metrics and prepare regular reports for senior management.
โขDrive consistency, accountability, and best practices across credit teams and locations.
What Makes You a Great Fit
โข12+ years of experience in credit, underwriting, risk management, or related functions within an NBFC or banking environment .
โขStrong experience managing credit portfolios across multiple states or a large regional territory.
โขProven expertise in credit assessment, underwriting, portfolio monitoring, and risk mitigation.
โขExperience leading and mentoring credit teams with responsibility for performance and outcomes.
โขStrong understanding of credit policies, risk controls, compliance, and audit processes.
โขDemonstrated ability to balance business growth with portfolio quality and credit discipline .
โขExperience conducting branch, dealer, or portfolio-level credit audits.
โขStrong analytical and decision-making skills with the ability to identify emerging credit risks.
โขExcellent stakeholder-management and communication skills.
โขAbility to collaborate effectively with Sales, Collections, Operations, and senior leadership.
โขStrong understanding of regional markets across AP, Telangana, and Tamil Nadu .
โขProficiency in Telugu and/or Tamil will be an advantage.
โขA proactive leadership style with strong ownership, integrity, and commercial judgment.