Job Summary:

The Head of Credit SME LAP (Small and Medium Enterprises - Loan Against Property) is responsible for leading the credit operations for the SME LAP business of the company. The incumbent will be responsible for ensuring timely and accurate credit assessments, approvals and disbursements, as well as the overall management of the credit risk associated with the SME LAP portfolio. 

Responsibilities:

• Lead and manage the credit operations for the SME LAP business, including credit assessment, approval, and disbursement processes.
• Ensure adherence to credit policies, procedures, and guidelines for the SME LAP portfolio. • Develop and implement strategies for managing credit risk associated with the SME LAP portfolio.
• Ensure that the credit assessment process is efficient and effective, with appropriate risk management tools and procedures in place. • Develop and maintain relationships with key stakeholders, including customers, regulators, and internal teams.
• Provide leadership and guidance to the credit team, ensuring that team members are trained and developed to achieve business objectives.
• Ensure compliance with all regulatory requirements and internal policies and procedures.
• Continuously monitor and analyze the SME LAP portfolio, providing regular reports and recommendations to senior management. • Work closely with other business units to ensure that credit processes and procedures are aligned with the overall business strategy. 

Qualifications:

 • CA/Master's degree in finance, accounting, business administration or a related field.
• At least 15-20 years of relevant experience in credit risk management, preferably in the SME LAP space.
• Strong understanding of credit policies, procedures, and guidelines for SME LAP loans.
• Strong analytical skills and ability to manage complex data sets.
• Excellent communication skills, with the ability to articulate complex ideas and concepts to a wide range of stakeholders.
• Demonstrated leadership skills, with the ability to lead and manage a team of credit professionals.
• Ability to work under pressure and deliver results in a timely manner.
• Strong knowledge of regulatory requirements and compliance issues related to credit risk management in the SME LAP space