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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