Regional Credit Manager

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: - ( - )

Experience: 7+ yrs

Location: Delhi, India

As a Regional Credit Manager, you will lead the credit strategy and execution for education loan portfolios across Delhi, ensuring that underwriting standards align with regulatory requirements and organizational risk appetite. You will analyze market trends, develop credit policies, and collaborate with cross-functional teams to optimize loan performance and mitigate defaults. Your role will involve mentoring junior credit analysts, driving process improvements, and reporting key metrics to senior leadership to inform business decisions. By combining analytical rigor with industry insight, you will help expand market share while maintaining robust risk controls.

• Design and implement credit underwriting policies specific to education loan products

• Conduct portfolio risk assessments and annual reviews to monitor loan quality

• Develop credit scoring models and guidelines for student and parent borrowers

• Liaise with risk, compliance, and regulatory teams to ensure adherence to banking norms

• Provide strategic input into pricing, product development, and market positioning

• Lead a regional team of credit officers, setting objectives and performance metrics

• Drive process efficiencies in loan origination, underwriting, and credit monitoring

• Prepare and present periodic reports on portfolio performance and risk indicators

• Identify and manage high‑risk segments, initiating appropriate remedial actions

• Champion continuous learning and professional development within the credit function

• 7+ years of experience in credit underwriting, preferably in education loans

• Strong knowledge of Indian banking regulations and credit risk frameworks

• Proven ability to develop and refine credit scoring models

• Demonstrated leadership and people management skills in a regional setting

• Excellent analytical, communication, and stakeholder‑management abilities

• Track record of improving portfolio performance while maintaining compliance

• Experience with credit risk analytics tools and data‑driven decision making

• Proficient in MS Office, especially PowerPoint and Excel for reporting

• Demonstrated adaptability in a dynamic financial environment

• Commitment to ethical practices and continuous professional development