🚀 Regional Credit Manager (CA) | Home Loans & LAP Hiring
🏢 Company: IIFL Home Loans
Regional Credit Hiring
📄 Job Description
IIFL Home Loans is hiring an experienced Regional Credit Manager (CA) for its Baroda (Vadodara) region. This leadership role is ideal for Chartered Accountants with extensive experience in Home Loans (HL), Loan Against Property (LAP), credit appraisal, risk management, and multi-branch credit operations. The selected candidate will oversee regional credit decisions, maintain portfolio quality, and lead high-performing credit teams.
🛠 Key Responsibilities
- Lead and oversee regional credit operations across multiple branches.
- Conduct detailed credit appraisal, financial analysis, and risk assessment.
- Evaluate Home Loan (HL) and Loan Against Property (LAP) proposals.
- Approve credit decisions in line with company policies and business objectives.
- Ensure portfolio quality while minimizing credit risk and delinquency.
- Monitor compliance with regulatory guidelines and internal credit policies.
- Lead, mentor, and develop regional credit teams.
- Coordinate with sales, operations, legal, and collections teams for seamless credit processing.
- Review branch-level credit performance and implement improvement initiatives.
- Prepare credit MIS, portfolio reports, and management presentations.
- Drive operational excellence and continuous process improvements.
- Handle escalations and support strategic business growth through sound credit decisions.
🎓 Eligibility Criteria
- Qualified Chartered Accountant (CA) – Mandatory.
- Minimum 10 years of experience in credit management within Banking, NBFC, or Housing Finance.
- Strong exposure to Home Loans (HL) and Loan Against Property (LAP).
- Proven experience in credit appraisal and risk assessment.
- Experience handling regional teams and managing multiple branches.
- Strong understanding of lending policies, underwriting, and portfolio management.
- Excellent analytical, decision-making, and leadership skills.
- Strong communication and stakeholder management abilities.
⭐ Key Skills
- Credit Management
- Credit Appraisal
- Risk Assessment
- Home Loans (HL)
- Loan Against Property (LAP)
- Portfolio Management
- Credit Underwriting
- Team Leadership
- Multi-Branch Management
- Policy Compliance
- Financial Analysis
- Decision Making
- MIS Reporting
- Stakeholder Management
💰 Benefits
- Leadership opportunity with one of India's leading housing finance companies.
- Competitive compensation based on current CTC.
- Exposure to large-scale regional credit operations.
- Career growth in housing finance and secured lending.
- Collaborative, performance-driven, and professional work environment.
⭐ Why Join IIFL Home Loans?
- Lead strategic credit operations in a reputed housing finance organization.
- Work on high-value Home Loan and LAP portfolios.
- Drive business growth while maintaining strong portfolio quality.
- Collaborate with experienced leaders in banking and financial services.
- Enjoy excellent career progression in credit leadership roles.
🎤 How to Prepare for the Interview
- Review Home Loan and Loan Against Property underwriting principles.
- Prepare examples of complex credit appraisal and risk assessment cases.
- Be ready to discuss portfolio quality management and delinquency control strategies.
- Refresh your knowledge of RBI regulations, secured lending, and credit policies.
- Prepare examples of managing regional teams and multiple branch operations.
- Research IIFL Home Loans' products, lending process, and market presence.
- Highlight measurable achievements in improving portfolio quality and credit turnaround time.
- Demonstrate strong analytical thinking, leadership, and strategic decision-making abilities.
📩 How to Apply
Interested and eligible candidates can apply by sending their updated resume via email using the button below.