Lead- Credit & Operations ( Secured Loan )

  • Designation

    Lead- Credit & Operations ( Secured Loan )

  • Job Type

    Full-Time

  • Department

    Risk

  • Remuneration

    As per industry standard

  • Job Summary

    We are seeking an experienced and strategic leader to oversee our Credit Operations department. The Lead Credit Operations will play a pivotal role in defining and driving the organization’s credit strategies ensuring operational excellence. This position requires a visionary professional with strong leadership skills, deep knowledge of credit , end to end disbursement process , policies and the ability to foster collaboration across teams.

  • Key Responsibilities

    1. Strategic Leadership:
      • Develop and implement the company’s credit operations strategy in alignment with organizational goals.
      • Establish long-term objectives to improve credit processes, efficiency, and customer satisfaction.
      • Lead initiatives to adapt to evolving market trends and regulatory requirements.
    2. Team Management:
      • Build, mentor, and lead a high-performing Credit Operations team.
      • Foster a culture of accountability, innovation, and continuous improvement.
      • Conduct performance evaluations and provide professional development opportunities for team members.
    3. Credit Policy and Risk Management:
      • Oversee the formulation, review, and implementation of credit policies and procedures.
      • Ensure compliance with internal policies and external regulatory frameworks.
      • Identify, evaluate, and mitigate risks associated with credit processes.
    4. Operational Excellence:
      • Drive process improvements to optimize credit operations workflows and turnaround times.
      • Implement technology solutions to enhance efficiency and accuracy in credit decision-making.
      • Monitor and analyze key performance indicators (KPIs) for the department.
    5. Stakeholder Collaboration:
      • Work closely with senior leadership to align credit operations with overall business objectives.
      • Collaborate with sales, finance, and risk management teams to ensure a seamless credit lifecycle.
      • Represent the organization in discussions with regulators, auditors, and external stakeholders as needed.

  • Desired Profile

    • Qualifications:
      • Bachelor’s degree in Finance, Economics, Business Administration, or a related field; a Master’s degree is preferred.
      • 6+ years of experience in credit operations, with at least 3 years in a leadership role.
      • Comprehensive understanding of credit policies, risk assessment, and regulatory requirements with extensive knowledge of legal and technical aspects of property for loan against property.
      • Proven track record of managing large teams and driving operational transformation.
      • Expertise in financial tools, credit management systems, and data analysis.
      • Strong decision-making, strategic thinking, and problem-solving abilities.
      • Excellent communication and interpersonal skills.
    • Preferred Qualifications:
      • Certification in credit or risk management (e.g., Certified Credit Professional, CFA, FRM).
      • Experience in implementing digital transformation projects within credit operations.
      • Background in managing credit operations in multinational or large-scale organizations.

  • Key Competencies

    • Leadership and Vision.
    • Strategic Thinking.
    • Risk Management Acumen.
    • Operational Efficiency.
    • Stakeholder Management.
    • Change Management.

  • What We Offer

    • Competitive salary and executive benefits package.
    • A dynamic and supportive work environment.
    • Opportunities to influence and shape the future of credit operations.
    • Professional growth and leadership development programs.

  • Locations

    Ahmedabad

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