# Zonal Credit Manager South

> Weekday AI · Hyderabad, India · Full-time · Posted 2026-08-24

**Salary:** INR 1,800,000–2,700,000

**Workplace:** on_site

**Department:** Weekday's Client via platform

## Description

𝗧𝗵𝗶𝘀 𝗿𝗼𝗹𝗲 𝗶𝘀 𝗳𝗼𝗿 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸𝗱𝗮𝘆'𝘀 𝗰𝗹𝗶𝗲𝗻𝘁𝘀

𝗦𝗮𝗹𝗮𝗿𝘆 𝗿𝗮𝗻𝗴𝗲: 𝗥𝘀 𝟭𝟴𝟬𝟬𝟬𝟬𝟬 - 𝗥𝘀 𝟮𝟳𝟬𝟬𝟬𝟬𝟬 (𝗶𝗲 𝗜𝗡𝗥 𝟭𝟴-𝟮𝟳 𝗟𝗣𝗔)

Experience: 12+ yrs

Location: Hyderabad, Telangana, India

Job Type: Full-time

We are looking for an experienced **Zonal Credit Manager – South Zone** to lead credit risk, underwriting, and portfolio quality across **Andhra Pradesh, Telangana, and Tamil Nadu**. Based in Hyderabad, this role will be responsible for maintaining strong underwriting standards, ensuring effective credit governance, monitoring portfolio performance, and leading a team of credit professionals.

The ideal candidate will bring extensive experience in **NBFC or banking credit and underwriting**, strong regional portfolio-management capabilities, and the ability to balance business growth with disciplined risk management.

## Requirements

### Key Responsibilities

-   Own **credit risk and underwriting** across Andhra Pradesh, Telangana, and Tamil Nadu.
-   Lead, mentor, and develop a team of six credit professionals.
-   Establish and maintain strong underwriting standards across the zone.
-   Monitor portfolio quality, credit performance, delinquency trends, and emerging risks.
-   Identify portfolio-level risks and drive timely corrective and preventive actions.
-   Partner closely with **Sales, Collections, Operations, and Business teams** to balance growth objectives with credit discipline.
-   Review and evaluate complex or high-value credit proposals and provide appropriate recommendations.
-   Conduct regular branch and dealer credit audits to ensure adherence to policies and processes.
-   Ensure compliance with established credit policies, risk controls, and regulatory requirements.
-   Identify gaps in underwriting practices and recommend improvements to strengthen portfolio quality.
-   Provide zonal market and portfolio insights to contribute to national credit policy and strategy.
-   Track key credit metrics and prepare regular reports for senior management.
-   Drive consistency, accountability, and best practices across credit teams and locations.

### What Makes You a Great Fit

-   **12+ years of experience** in credit, underwriting, risk management, or related functions within an **NBFC or banking environment**.
-   Strong experience managing credit portfolios across multiple states or a large regional territory.
-   Proven expertise in credit assessment, underwriting, portfolio monitoring, and risk mitigation.
-   Experience leading and mentoring credit teams with responsibility for performance and outcomes.
-   Strong understanding of credit policies, risk controls, compliance, and audit processes.
-   Demonstrated ability to balance **business growth with portfolio quality and credit discipline**.
-   Experience conducting branch, dealer, or portfolio-level credit audits.
-   Strong analytical and decision-making skills with the ability to identify emerging credit risks.
-   Excellent stakeholder-management and communication skills.
-   Ability to collaborate effectively with Sales, Collections, Operations, and senior leadership.
-   Strong understanding of regional markets across **AP, Telangana, and Tamil Nadu**.
-   Proficiency in **Telugu and/or Tamil** will be an advantage.
-   A proactive leadership style with strong ownership, integrity, and commercial judgment.

## Apply

[Apply at Weekday AI](https://apply.workable.com/weekday-1/j/7D09790DFC/apply)

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