Hiranandani Financial Services - State Credit Manager - CA

We are seeking an experienced State Credit Manager to oversee and manage the credit underwriting process for Secured Business Loans and LAP. The ideal candidate will have 10+ years of experience in credit risk assessment, team management, and loan approvals. This role requires strong analytical skills, policy adherence, and stakeholder management to ensure a high-quality credit portfolio.

Key Responsibilities:

- Lead and manage the credit underwriting process for Secured Business Loans and LAP.

- Evaluate loan applications, assess creditworthiness, and ensure adherence to risk policies.

- Oversee a team, providing guidance and training to maintain high-quality credit assessments.

- Implement and monitor credit risk strategies to optimize portfolio performance.

- Collaborate with sales, risk, and operations teams to ensure seamless loan processing.

- Ensure compliance with regulatory and internal credit policies.

- Monitor delinquency trends, credit performance, and portfolio health.

- Drive efficiency in turnaround time (TAT) for loan approvals.

Skills & Qualifications Required:

- Minimum Graduation Degree; MBA or CA preferred.

- 10+ years of experience in credit underwriting for Secured Business Loans/LAP.

- Strong knowledge of financial statements, risk assessment, and lending practices.

- Hands-on experience in credit analysis, underwriting policies, and regulatory guidelines.

- Proven experience in team handling and leadership.

- Excellent analytical, decision-making, and stakeholder management skills.

- Ability to work in a fast-paced, target-driven environment.