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Description Zonal Credit Head will manage a team of Credit Analysts, Approve SME/MSME cases within delegated powers. Responsible for quality of the credit portfolio of the region, shall be able to contribute towards process/policy/product changes related to credit. Responsibilities Lead and develop the SME/MSME credit team, guiding them to meet objectives. Assess and approve medium ticket credit exposures, evaluating client performance through financial analysis and industry insight. Collaborate with business and clients to structure beneficial facilities. Own the quality of the regional SME/MSME portfolio, implementing controls and monitoring for improvement. Track industry developments and propose portfolio changes. Provide independent credit risk assessment, reporting loan book performance comprehensively and timely. Liaise with auditors to address any audit observations. Qualifications Qualification: CA/ MBA Finance Experience: 10 to 20 years. .