Regional Credit Manager

Job Description Regional Credit Manager (RCM)

Role Purpose

The Regional Credit Manager (RCM) will be responsible for managing the end-to-end credit function for the assigned region, ensuring timely credit decisions, strong portfolio quality, effective team management, cost efficiency, and successful execution of co-lending initiatives.

Key Roles & Responsibilities

1. Credit Assessment & PD Management

Ensure Personal Discussion (PD) is completed within 1 day of login.

Ensure high-value and critical cases are personally assessed and PDs are conducted by the RCM.

Maintain strong credit underwriting standards while supporting sustainable business growth.

2. Turnaround Time (TAT)

Ensure sanction decisions are completed within 3 days from the date of PD.

Monitor login-to-PD and PD-to-sanction TAT on a daily basis.

Identify and resolve bottlenecks impacting credit processing timelines.

3. Portfolio Quality

Maintain strong portfolio quality across the region.

Target Nil Delinquency during the first 12 months of customer onboarding, with particular focus on early-default indicators.

Track portfolio performance and identify emerging risks at an early stage.

Initiate corrective actions wherever deterioration or adverse trends are observed.

4. Co-Lending Business

Drive and support the Co-Lending business for the region.

Coordinate with internal teams and lending partners to ensure smooth execution of co-lending cases.

Ensure adherence to agreed credit policies, processes, TATs, and partner requirements.

5. Team Management

Manage and provide leadership to BCMs and ACMs across the assigned region.

Take ownership of manpower planning, hiring, onboarding, development, performance management, and retention of the credit team.

Ensure appropriate allocation of cases and optimal utilization of available manpower.

Build a strong second line of credit leadership within the region.

6. Cost & Productivity Management

Ensure cost effectiveness of the Credit Vertical without compromising underwriting quality or TAT.

Monitor productivity and optimize manpower and operational resources.

Improve efficiency through process standardization, technology adoption, and effective workload management.

7. Stakeholder Management

Coordinate effectively with key stakeholders including Business, Legal, Technical, Operations, Collections, and other support functions.

Resolve interdepartmental issues affecting sanctions, disbursements, portfolio quality, and customer experience.

Maintain an appropriate balance between business growth and credit risk.

8. MIS & Governance

Conduct daily MIS reviews covering logins, PD pendency, sanctions, TAT, productivity, portfolio performance, and key credit exceptions.

Monitor ageing and pending cases and ensure timely closure.

Escalate material deviations, risks, and operational bottlenecks to senior management.

Ensure adherence to credit policy, processes, delegation matrix, and regulatory/internal compliance requirements.