State Credit Manager

Saison

. Develop and implement credit policies and procedures for LAP products within the state, aligned with national guidelines .

Posted 10/5/2026full-timeNew Delhi • IndiaSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit management, including policy development, risk assessment, and team leadership, while ensuring compliance with regulatory standards and maintaining credit quality. Proficient in financial analysis and loan underwriting principles specific to LAP products.

Highest-signal resume keywords

Credit ManagementRisk AssessmentTeam LeadershipFinancial AnalysisLoan Underwriting

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Policy DevelopmentCredit Risk AssessmentFinancial AnalysisLoan Underwriting PrinciplesPortfolio Performance MonitoringDue DiligenceCredit Proposal AnalysisRegulatory ComplianceCredit Process AuditsPerformance Evaluation

Soft Skills

Analytical SkillsDecision-MakingProblem-SolvingCommunication SkillsInterpersonal SkillsNegotiation Abilities

Tools & Technologies

Credit Management SoftwareMS Office Suite

Industry Keywords

LAP ProductsMortgage LendingCredit NormsRegulatory FrameworksCredit Bureaus

About the role

Key responsibilities & impact

Develop and implement credit policies and procedures for LAP products within the state, aligned with national guidelines
Lead and manage a team of credit managers and officers, including training, guidance, and performance evaluations
Analyze and approve LAP proposals within assigned credit limits
Conduct due diligence and risk assessments
Monitor portfolio performance and identify early warning signals
Implement proactive measures to mitigate credit risk
Collaborate with sales and business development teams to support growth while maintaining credit quality
Ensure compliance with regulatory requirements and internal credit norms
Conduct regular audits and reviews of credit processes and decisions
Prepare and present credit reports and performance summaries to senior management
Manage relationships with credit bureaus, legal counsel, and other external agencies

Requirements

What you’ll need

Bachelor's degree in Finance, Accounting, Business Administration, or a related field
Minimum of 8-10 years of experience in credit management, with at least 3-5 years specifically in LAP or mortgage lending
Proven experience in leading and managing a credit team
In-depth knowledge of credit risk assessment, financial analysis, and loan underwriting principles for LAP products
Strong understanding of legal and regulatory frameworks governing lending in the state
Excellent analytical, decision-making, and problem-solving skills
Exceptional communication, interpersonal, and negotiation abilities
Proficiency in credit management software and MS Office Suite
Any Graduates