Vice President - Credit

We’re Hiring | Vice President – Credit

Location: Navi Mumbai (6 days, WFO)

We’re hiring for a specialized housing finance company (NBFC-HFC) focused on delivering innovative and customer-centric home financing solutions.

We are looking for an experienced and dynamic Vice President – Credit to lead our Retail Mortgage & LAP underwriting function. This is a strategic leadership role for a seasoned credit professional with strong policy expertise and proven team management experience.

Qualification:

Chartered Accountant (CA)

Experience Required:

- 8+ years in Retail Mortgage Underwriting & Credit Policy - Experience with Bank / NBFC / HFC - Strong exposure to handling state / regional underwriting teams - Preferably from a Private Sector Bank with multi-product retail credit exposure (including mortgages)

Key Responsibilities:

- Lead Retail Mortgage & LAP underwriting across branches - Conduct Personal Discussions (PD) and approve Credit Appraisal Memos (CAMs) - Design, strengthen, and govern retail credit policies & frameworks - Ensure adherence to underwriting standards and risk controls - Build, mentor, and manage a team of Credit Managers / Underwriters - Monitor portfolio quality, delinquency trends & early warning signals - Drive underwriting quality reviews and branch-level training initiatives - Collaborate with Sales, Operations, Legal & Technical teams for seamless credit delivery - Support audits, compliance reviews & regulatory inspections - Contribute to product structuring and risk-based pricing strategies - Escalate high-risk cases and policy deviations to senior management - Enable scalable and technology-driven credit processes

Interested candidates can share their profiles on nidhi@thepremierconsultants.com

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