Regional Credit Manager

<p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Job Purpose: </span></b></p><p><b></b></p><b></b><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><i><span style="font-family:Calibri, sans-serif;color:#000000;">Manages credit operations and decision support across the region. Handles escalations, harmonizes processes, and partners with business to enable prudent growth.</span></i></p><p><i></i></p><i></i><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><i><span style="font-family:Calibri, sans-serif;color:#000000;"> </span></i></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Key Responsibilities:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Review and approve escalated/high</span><span style="font-family:'Cambria Math', serif;color:#000000;">‑</span><span style="font-family:Calibri, sans-serif;color:#000000;">value proposals; guide complex structuring within policy.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Standardize underwriting practices across locations; run calibration workshops and spot audits.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Track regional KPIs (TAT, approval rate, delinquency, exception mix) and drive course corrections.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Coordinate with legal/technical/compliance on edge cases and risk mitigants.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Publish regional MIS with insights and action trackers; manage governance reviews.</span></p><p></p><p class="MsoListParagraphCxSpLast" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Mentor Area/Cluster Heads; drive performance and capability building.</span></p><p></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Skills Required:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Strong leadership and problem-solving skills.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Experience in escalated decision-making.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Good knowledge of compliance and regulatory aspects.</span></p><p></p><p class="MsoListParagraphCxSpLast" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Portfolio analysis and MIS presentation skills.</span></p><p></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Educational Qualifications and Experience:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Certified CA/ Post-Graduate in Finance, Commerce, or related field.</span></p><p></p><p> </p><p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-size:10pt;font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">7-10 years in retail credit with multi-location leadership experience.</span><span style="font-size:10pt;font-family:'DM Sans';color:#000000;"></span></p><p></p>