Head of Credit

ROLE SUMMARY

The Head of Credit is the enterprise custodian of credit risk and asset quality for Muthoot FinCorp Limited, providing strategic leadership over the end-to-end credit risk management framework across all lending verticals. Managing a diversified portfolio with an AUM of approximately ₹50,000 crore, the role is accountable for designing and enforcing robust credit policies and procedures, portfolio diversification frameworks, and risk mitigation strategies that protect asset quality while enabling profitable and sustainable growth.

As the guardian of asset quality and the architect of credit-led growth at scale, the Head of Credit plays a pivotal role in balancing risk discipline with business agility. The role requires a strong technology orientation, leveraging digital credit platforms, advanced analytics, and AI-driven decisioning to enhance underwriting quality, scalability, and speed, while ensuring governance,...