Job Summary

We are seeking an experienced and result-oriented Area Credit Operations Manager to manage credit underwriting and operations for the Small & Medium Enterprise (SME) Loan portfolio. The role involves evaluating credit proposals, assessing borrower risk, ensuring compliance with credit policies, and driving quality business growth while maintaining a healthy portfolio.

The ideal candidate should possess strong expertise in SME credit appraisal, financial analysis, risk assessment, and portfolio monitoring within Banking or NBFC environments.

Key Responsibilities

- Assess and underwrite SME loan proposals in line with company credit policies and risk frameworks.
- Analyze financial statements, banking behavior, cash flows, GST returns, and other business-related documents.
- Conduct detailed credit risk assessment and recommend suitable lending structures.
- Ensure timely processing and turnaround of credit proposals while maintaining portfolio quality.
- Coordinate with Sales, Risk, Operations, Legal, and Audit teams for seamless loan processing.
- Monitor portfolio performance and identify early warning signals for potential stress accounts.
- Review credit deviations and ensure adherence to internal policies and regulatory requirements.
- Support branch and sales teams on credit-related queries and policy interpretation.




- Conduct field visits, customer interactions, and business assessments whenever required.
- Drive process improvements and operational efficiency across the assigned region.
- Maintain high standards of compliance, governance, and risk management.

Desired Candidate Profile

Educational Qualification

- Graduate in any discipline.

Experience Requirements

- Up to 10 years of experience in Credit Underwriting/Credit Operations within Banking or NBFC.
- Minimum 3 years of experience in SME Loan underwriting/appraisal is highly desirable.
- Strong understanding of SME lending products, financial analysis, credit policy, and risk assessment.

Key Skills

- SME Credit Appraisal
- Financial Statement Analysis
- Credit Underwriting
- Risk Assessment
- Business Loan Evaluation
- Cash Flow Analysis
- Banking & Financial Services
- Credit Operations
- Loan Processing
- Portfolio Management
- GST & Bank Statement Analysis
- Team Management
- Regulatory Compliance
- Stakeholder Management

What We Offer

- Opportunity to work with a growing SME lending business.
- Challenging role with significant decision-making responsibility.
- Growth opportunities and leadership opportunities.
- Competitive compensation and performance-linked incentives.

📌 Area Credit Operations Manager (SME Loans) (Kerala)
🏢 Chola
📍 Kerala