Divisional Credit Head

  • Bengaluru
  • Credit
  • Report to: Zonal Credit Head

Job Responsibilities:

Section 1

  • Monitoring regions for field credit activities within stipulated TAT

  • Risk assessment of applicants through credit officers on time.

  • Visiting the business and residence whenever required.

  • Prepare the financial analysis sheet and scoring tool.

  • Recommendations and approvals of the loans.

  • Training the team on product and policies

Section 2

  • Maintain portfolio of the Division.

  • Follow up for the repayments of Early Delinquent customers.

Section 3

  • Loan utilization check and social impact assessments.

Section 4

  • Preparing the MIS reports

  • Analyzing the sectors / sub sectors of the hubs against portfolio quality.

Section 5

  • Co-ordination with Sales, collection and audit teams.

  • Training the hub teams on policy / process.

  • Regular review and feedback to the teams on performance of teams.


  • 12+ yrs experience in NBFC/ Banking/ Any Financial Sector.

  • Any graduate preferably from Commerce Background.

  • Age 35+ yrs

Other Requirements:

  • Fluency in their respective regional language is preferred in addition to English.

  • Willingness to travel

Skills & Competencies

Technical Skills

  • Good in Excel & PPT

Soft Skills

  • Good Communication skills

  • Team handling experience.


  • Portfolio management

  • Financial analysis

  • Result oriented.

  • Managing and developing others.

Behavioral Traits

  • Being mindful and having integrity.

  • Acceptance of changes.

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