Zonal Credit Manager - South

𝗧𝗵𝗶𝘀 𝗿𝗼𝗹𝗲 𝗶𝘀 𝗳𝗼𝗿 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸𝗱𝗮𝘆'𝘀 𝗰𝗹𝗶𝗲𝗻𝘁𝘀

𝗦𝗮𝗹𝗮𝗿𝘆 𝗿𝗮𝗻𝗴𝗲: 𝗥𝘀 𝟭𝟴𝟬𝟬𝟬𝟬𝟬 - 𝗥𝘀 𝟮𝟳𝟬𝟬𝟬𝟬𝟬 (𝗶𝗲 𝗜𝗡𝗥 𝟭𝟴-𝟮𝟳 𝗟𝗣𝗔)

Experience: 12+ yrs

Location: Hyderabad, Telangana, India

Job Type: Full-time

We are looking for an experienced Zonal Credit Manager – 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

• Own credit risk and underwriting 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 with Sales, Collections, Operations, and Business teams 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 experience in credit, underwriting, risk management, or related functions within an 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 balance 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 across AP, Telangana, and Tamil Nadu .
• Proficiency in Telugu and/or Tamil will be an advantage.
• A proactive leadership style with strong ownership, integrity, and commercial judgment.