• Zonal Credit Head will manage a team of Credit Analysts, Approve SME/MSME cases within delegated powers. • Responsible for quality of the credit portfolio of the region, shall be able to contribute towards process/policy/product changes related to credit. • Lead and develop the SME/MSME credit team, guiding them to meet objectives. • Assess and approve medium ticket credit exposures, evaluating client performance through financial analysis and industry insight. • Collaborate with business and clients to structure beneficial facilities. • Own the quality of the regional SME/MSME portfolio, implementing controls and monitoring for improvement. • Track industry developments and propose portfolio changes. • Provide independent credit risk assessment, reporting loan book performance comprehensively and timely. • Liaise with auditors to address any audit observations. Qualification: CA/ MBA Finance Experience: 10 to 20 years.