Vice President - Credit

Were Hiring | Vice President Credit

Location: Navi Mumbai (6 days, WFO)

Were 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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