Regional Credit Manager - Prime

Role Overview

The Regional Credit Manager will be responsible for guiding and managing risk and credit operations within a defined region, ensuring adherence to credit frameworks across business lines. They will nurture coordination between Sales, Operations, and other stakeholders for timely decisions, focusing on maintaining underwriting quality and portfolio health.

Key Responsibilities

• Lead implementation and monitoring of regional credit and risk activities in line with established frameworks.
• Collaborate closely with Sales and Operations teams to coordinate on credit proposals and escalate issues as needed.
• Provide expert guidance and insights to team members about credit exceptions and technical considerations specific to properties and states.
• Review and approve credit proposals as per authority limits, assisting members in complex approvals.
• Track portfolio delinquency trends and bounce rates, reporting early signs of default promptly.
• Ensure timely collection of all post-disbursal documentation.
• Drive process improvements to enhance operational efficiency while maintaining strong risk controls.
• Enforce process discipline through guided coordination between Sales, Operations, and risk teams for effective decision-making.
• Manage escalation cases efficiently, collaborating with stakeholders and escalating to higher management as required.
• Oversee vendor performance to ensure quality reporting and adherence to turnaround times.
• Monitor and control operational costs to remain within budget.
• Ensure strict compliance with risk management principles via regular MIS reviews and case document audits.
• Maintain a robust maker-checker control environment across key risk functions including approvals, collateral valuation, and document completion.
• Minimize audit observations and ensure prompt resolution within defined timelines.
• Identify and analyze early warning signs in credit portfolios.
• Coordinate with Collections and Operations teams to monitor and manage delinquent accounts effectively.
• Intervene in escalated recovery cases to prevent delinquencies and NPAs, involving senior risk heads as needed.
• Manage fraud reporting protocols in coordination with Risk Monitoring and leadership.
• Partner with Sales and Operations teams to support business growth through case-based decision making.
• Develop and mentor team members by enhancing their underwriting skills and stakeholder management capabilities through technical and behavioral training.
• Maintain strong internal relationships for cross-functional alignment and smooth coordination.

Additional Information

This role emphasizes strong leadership in credit risk, process management, compliance, and effective collaboration with multiple internal and external teams to ensure portfolio quality and business sustainability.