Talentmatics
Website:
talent-matics.com
Job details:
We are looking for an experienced and dynamic National Credit Manager – SME to lead the Credit, Technical (Valuation), and Business Legal functions for the Secured Business Loan and Loan Against Property (LAP) portfolio.
This is a leadership role responsible for driving portfolio quality, strengthening risk governance, and supporting sustainable business growth across locations.
Key Responsibilities
🔹 Credit Leadership & Governance
- Lead end-to-end credit underwriting for SME secured portfolio
- Strengthen risk assessment frameworks and ensure policy adherence
- Evaluate financials, banking patterns, cash flows & repayment capacity
- Drive portfolio quality, delinquency control & risk mitigation strategies
- Monitor early warning signals and implement corrective actions
🔹 Technical (Valuation) Oversight
- Supervise property valuation and technical due diligence
- Ensure alignment with internal technical standards & empaneled valuers
- Assess property condition, enforceability & marketability risks
- Maintain TAT and quality benchmarks
🔹 Business Legal Oversight (Pre-Disbursement)
- Oversee legal scrutiny of property documentation
- Ensure title clarity, chain verification, encumbrance checks & mortgage compliance
- Standardize legal processes to minimize documentation risk
- Coordinate with legal counsel for validation and compliance
🔹 Policy, Compliance & Governance
- Ensure adherence to credit policy, audit standards & regulatory norms
- Support internal audit and risk reviews
- Recommend policy improvements based on portfolio trends
- Maintain robust documentation & approval frameworks
🔹 Team Leadership
- Lead and mentor multi-location Credit, Technical & Legal teams
- Define KRAs aligned with portfolio quality
- Conduct periodic performance reviews
- Build a strong risk-focused culture
🔹 Portfolio Monitoring & Reporting
- Present portfolio performance reports to senior management
- Track approval ratios, TAT, delinquency trends & risk concentration
- Provide strategic inputs for controlled expansion
Key Skills & Competencies
- Strong expertise in SME secured lending & LAP
- Financial statement analysis & credit risk assessment
- Knowledge of property valuation & legal documentation
- Leadership & stakeholder management
- Strong governance & integrity orientation
Qualification & Experience
- CA / MBA (Finance) / Equivalent preferred
- 15–25 years of experience in secured SME / LAP credit
- Experience handling multi-location credit teams
- Exposure to technical and business legal functions preferred
Click on Apply to know more.