About this role
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 experiencedย Zonal Credit Manager โ South Zoneย to lead credit risk, underwriting, and portfolio quality acrossย 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 inย 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
- Ownย credit risk and underwritingย across Andhra Pradesh, Telangana, and Tamil Nadu.
- Lead, mentor, and develop a team of six credit professionals.
- Establish and maintain strong underwriting standards across the zone.
- Monitor portfolio quality, credit performance, delinquency trends, and emerging risks.
- Identify portfolio-level risks and drive timely corrective and preventive actions.
- Partner closely withย Sales, Collections, Operations, and Business teamsย to balance growth objectives with credit discipline.
- Review and evaluate complex or high-value credit proposals and provide appropriate recommendations.
- Conduct regular branch and dealer credit audits to ensure adherence to policies and processes.
- Ensure compliance with established credit policies, risk controls, and regulatory requirements.
- Identify gaps in underwriting practices and recommend improvements to strengthen portfolio quality.
- Provide zonal market and portfolio insights to contribute to national credit policy and strategy.
- Track key credit metrics and prepare regular reports for senior management.
- Drive consistency, accountability, and best practices across credit teams and locations.
What Makes You a Great Fit
- 12+ years of experienceย in credit, underwriting, risk management, or related functions within anย NBFC or banking environment.
- Strong experience managing credit portfolios across multiple states or a large regional territory.
- Proven expertise in credit assessment, underwriting, portfolio monitoring, and risk mitigation.
- Experience leading and mentoring credit teams with responsibility for performance and outcomes.
- Strong understanding of credit policies, risk controls, compliance, and audit processes.
- Demonstrated ability to balanceย business growth with portfolio quality and credit discipline.
- Experience conducting branch, dealer, or portfolio-level credit audits.
- Strong analytical and decision-making skills with the ability to identify emerging credit risks.
- Excellent stakeholder-management and communication skills.
- Ability to collaborate effectively with Sales, Collections, Operations, and senior leadership.
- Strong understanding of regional markets acrossย AP, Telangana, and Tamil Nadu.
- Proficiency inย Telugu and/or Tamilย will be an advantage.
- A proactive leadership style with strong ownership, integrity, and commercial judgment.