About this role
As the Senior Credit Manager, you will play a crucial role in driving the growth and success of our Housing Finance business. Your primary responsibility will be to oversee and manage the credit operations, ensuring efficient and effective processes. You will work closely with the senior leadership team to develop and implement credit policies, strategies, and guidelines that align with the bank's overall objectives.
- Lead and manage the credit team, providing strategic direction and guidance.
- Develop and implement credit policies, ensuring compliance with regulatory requirements.
- Analyze and assess credit risks, making informed decisions on loan approvals.
- Monitor and manage the credit portfolio, identifying potential risks and taking proactive measures.
- Build and maintain strong relationships with key stakeholders, including developers and real estate partners.
- Collaborate with the marketing team to develop targeted credit products and services.
- Ensure accurate and timely reporting of credit-related data and metrics.
- Stay updated on industry trends and best practices in housing finance and credit management.
- Provide mentorship and support to junior credit officers, fostering a culture of continuous improvement.
- Represent the bank at industry events and forums, showcasing our credit expertise.
- A bachelor's degree in finance, business, or a related field is required, with a preference for a master's degree in finance or credit management.
- Minimum 10 years of experience in credit management, with a strong background in housing finance.
- Proven track record of successful credit management and loan portfolio management.
- Excellent knowledge of credit risk assessment and mitigation strategies.
- Strong leadership and management skills, with the ability to motivate and inspire a team.
- Analytical mindset with proficiency in using credit analysis tools and software.
- Excellent communication and interpersonal skills, with the ability to build relationships.
- Ability to work independently and make sound decisions under pressure.
- Proficiency in MS Office and relevant banking software.
- A certification in credit risk management or a related field is an advantage.