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State Credit Head - LAP

Credit Saison India
Chennai, IND
Full-time
Senior · 10–15 years experience
Onsite
Discovered 1 weeks ago

Full Job Posting

Job Responsibilities

  • Develop and implement credit policies and procedures specifically for the LAP product within the state, aligning with national guidelines and market dynamics.
  • Lead and manage the state's LAP credit team, including hiring, training, performance management, and career development.
  • Oversee the entire credit underwriting process for LAP applications, ensuring adherence to credit policies, regulatory compliance, and timely decision-making.
  • Establish and monitor credit limits, collateral valuation methodologies, and risk assessment frameworks for LAP products.
  • Conduct regular portfolio reviews, identify emerging risks, and implement proactive measures to maintain asset quality and minimize delinquencies.
  • Collaborate with sales, operations, and legal teams to streamline processes, enhance customer experience, and achieve business objectives.
  • Prepare and present credit reports, portfolio performance analyses, and risk assessments to senior management.
  • Stay updated on market trends, regulatory changes, and competitive landscape affecting the LAP sector and incorporate insights into credit strategies.
  • Ensure compliance with all internal and external audit requirements related to credit operations.
  • Drive continuous improvement initiatives within the credit department to enhance efficiency and effectiveness.
  • Job Qualifications
  • Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., CFA) preferred.
  • Minimum of 10-15 years of progressive experience in credit risk management, with at least 5 years in a leadership role specifically focused on Loan Against Property (LAP) products.
  • In-depth knowledge of LAP credit appraisal, underwriting, and risk assessment techniques.
  • Strong understanding of real estate market dynamics, property valuation, and legal aspects related to collateral.
  • Proven track record of managing and developing high-performing credit teams.
  • Excellent analytical, decision-making, and problem-solving skills.
  • Strong communication, negotiation, and interpersonal abilities.
  • Proficiency in credit analysis software and Microsoft Office Suite.
  • Ability to work independently and collaboratively in a fast-paced environment.
  • Demonstrated ability to manage credit risk effectively and maintain a healthy portfolio.
  • Any Graduates

Preferred Qualifications

  • Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., CFA) preferred.

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