SVP Credit Home loan

Key Responsibilities:

Credit Policy & Risk Framework

• Develop, review, and update credit policies for home loans in alignment with risk appetite and market trends.
• Define credit parameters, scorecard logic, documentation standards, and exception handling processes.
• Ensure credit risk policies are compliant with RBI/HFC/NBFC guidelines and internal audit requirements.

Credit Appraisal & Underwriting

• Approve high-ticket home loan proposals (within delegated authority limits).
• Oversee underwriting quality across branches, regions, and central credit hubs.
• Analyze financials, property-related risks, customer profiles, and repayment capacities.
• Monitor portfolio segmentation based on risk tiers and modify approval norms accordingly.

Portfolio Management & Risk Monitoring

• Track portfolio quality – delinquency tren...