Regional Credit Head - Bank

Title: Regional Credit Head Business Banking Group (Indore)

Overview:

Lead the regional credit function for Business Banking, owning end-to-end credit underwriting quality, portfolio health, and risk governance across MSME/SME customers in the Indore region.

Key Responsibilities:

- Lead and mentor a team of credit managers/analysts; build strong credit culture and turnaround discipline.

- Underwrite and approve credit proposals within delegated authority; structure facilities (WC/CC/OD, TL, BG/LC) aligned to risk appetite.

- Drive portfolio quality: early warning, stress testing, exposure monitoring, and remedial action plans.

- Partner with Business/Relationship teams to enable growth with prudent risksupport deal structuring and pricing.

- Ensure policy and regulatory compliance (RBI guidelines), credit audit readiness, and documentation standards.

- Manage external interfaces: valuers, legal counsel, credit bureaus, rating agencies.

- Report regional credit MI: approvals, TAT, strike rate, sectoral exposure, delinquencies, and LGD.

- Champion digitization/analytics in underwriting and monitoring.

Qualifications & Experience:

- MBA/CA/CFAs preferred: 8 to 12+ years in Business/SME banking credit with 3 to 5 years in a leadership role.

- Strong grasp of financial analysis, cash-flow lending, collateral/DSRA structures, and legal/security documentation.

- Working knowledge of RBI norms, Basel guidelines, ECL provisioning, and IFRS/Ind-AS implications.

- Proficiency with bureau/rating outputs, banking systems, and credit analytics tools.

Key Skills:

- Risk judgment, problem solving, stakeholder management, and team leadership.

- Excellent communication; ability to balance speed with quality decisions.

KPIs:

- Portfolio GNPA/NNPA, SMA/EWS containment, credit TAT, hit ratio, audit scores, loss rates/LGD, policy breaches.