Regional Credit Head - Bank

Title: Regional Credit Head Business Banking Group (Indore)Overview:Lead the regional credit function for Business Banking, owning end-to-end credit underwriting quality, portfolio health, and risk governance across MSME/SME customers in the Indore region. Key Responsibilities:- Lead and mentor a team of credit managers/analysts; build strong credit culture and turnaround discipline.- Underwrite and approve credit proposals within delegated authority; structure facilities (WC/CC/OD, TL, BG/LC) aligned to risk appetite.- Drive portfolio quality: early warning, stress testing, exposure monitoring, and remedial action plans.- Partner with Business/Relationship teams to enable growth with prudent risksupport deal structuring and pricing.- Ensure policy and regulatory compliance (RBI guidelines), credit audit readiness, and documentation standards.- Manage external interfaces: valuers, legal counsel, credit bureaus, rating agencies.- Report regional credit MI: approvals, TAT, strike rate, sectoral exposure, delinquencies, and LGD.- Champion digitization/analytics in underwriting and monitoring.Qualifications & Experience:- MBA/CA/CFAs preferred: 8 to 12 years in Business/SME banking credit with 3 to 5 years in a leadership role.- Strong grasp of financial analysis, cash-flow lending, collateral/DSRA structures, and legal/security documentation.- Working knowledge of RBI norms, Basel guidelines, ECL provisioning, and IFRS/Ind-AS implications.- Proficiency with bureau/rating outputs, banking systems, and credit analytics tools.Key Skills:- Risk judgment, problem solving, stakeholder management, and team leadership.- Excellent communication; ability to balance speed with quality decisions.KPIs:- Portfolio GNPA/NNPA, SMA/EWS containment, credit TAT, hit ratio, audit scores, loss rates/LGD, policy breaches.