AVP - Retail Credit

Antal International · Mumbai metropolitan region, India

AVP – Retail Credit

Industry: Banking & Financial Services

Organisation: Mid-Sized Private Sector Bank

About the Role

We are seeking an experienced Retail Credit professional to join our Credit Risk team as Assistant Vice President (AVP) – Retail Credit . The incumbent will be responsible for driving prudent credit underwriting, portfolio quality, and risk governance across Retail Lending products including Home Loans, LAP, Personal Loans, Auto Loans, and other Consumer Finance products.

This is a leadership role requiring strong credit judgement, policy interpretation skills, stakeholder management, and the ability to balance portfolio growth with asset quality.

Key Responsibilities

• Lead credit evaluation and underwriting for Retail Lending proposals within delegated authority limits.
• Review and approve retail credit applications in line with internal credit policies and regulatory guidelines.
• Monitor portfolio quality, delinquency trends, and early warning indicators.
• Identify emerging credit risks and recommend corrective actions.
• Drive consistency in underwriting standards across branches and regions.
• Partner with Business, Risk, Operations, Collections, and Audit teams to strengthen credit processes.
• Participate in policy formulation, scorecard enhancements, and credit programme development.
• Ensure compliance with RBI guidelines, internal risk frameworks, and governance standards.
• Support portfolio analytics, productivity improvement initiatives, and digital credit transformation projects.
• Mentor and develop credit teams to enhance underwriting quality and turnaround times.

Ideal Candidate Profile

• CA / MBA (Finance) / CFA / Graduate with relevant banking qualifications.
• 8–12 years of experience in Retail Credit within Banks, NBFCs, Housing Finance Companies, or Consumer Finance institutions.
• Strong exposure to products such as Home Loans, LAP, Personal Loans, Auto Loans, Credit Cards, and Secured/Unsecured Retail Lending.
• Sound understanding of financial analysis, bureau assessment, risk scoring models, and portfolio management.
• Experience in credit policy implementation and regulatory compliance.
• Strong analytical, decision-making, and stakeholder management skills.
• Prior team handling experience will be preferred.

Key Competencies

✅ Credit Underwriting

✅ Portfolio Risk Management

✅ Retail Lending Products

✅ Credit Policy & Governance

✅ RBI Regulatory Compliance

✅ Data Analysis & Portfolio Monitoring

✅ Leadership & Team Management

✅ Stakeholder Management

What We Offer

• Opportunity to play a key role in a growing private sector bank.
• High visibility with senior leadership.
• Exposure to strategic credit and risk initiatives.
• Merit-driven career progression and leadership responsibilities.

Interested?

Professionals with strong Retail Credit experience and a passion for balancing growth with prudent risk management are encouraged to apply.