Job Profiles:- Zonal Credit Managers • Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections in the zone • End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency across the zone • Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio. • Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof. • Aim to optimize Credit Risk management to facilitate the business expansion plans on zonal level • To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency • Conduct detailed analysis of delinquencies and recommend changes to the product teams • Ensure the successful adoption of internal compliances, regulatory framework across the business. • Coordinate with internal audit and regulatory audit regarding their various requirements. • Collaborate with Collections to drive down the net credit loss & delinquency metrics. • Review and approve credit proposals given. • Responsible for ensuring sound understanding of credit policy across all relevant levels. • Product knowledge at market level and market segmentation is necessary.