Position

AreaCreditManager

Location

Vijayawada,AndhraPradesh

Department

Credit&RiskManagement;

ReportingTo

RegionalCreditManager/StateCreditHead

RolePurpose

The Area Credit Manager is responsible for managing the credit underwriting and portfolio quality of retail and SME lending business across the assigned geography. The role involves evaluating loanproposals,conductingcreditassessments,ensuringadherencetocreditpolicies,minimizingcreditrisk,andsupportingbusinessgrowthwhilemaintainingportfoliohealth.

KeyResponsibilities

CreditAppraisal&Underwriting;

- Assessandapproveloanproposalswithindelegatedauthoritylimits.
- Conductdetailedanalysisofcustomerfinancials,repaymentcapacity,bankingbehavior,andcredithistory.
- Evaluatesecuredandunsecuredloanapplicationsaspercompanypolicies.
- Reviewlegal,technical,andvaluationreportsforsecuredlendingcases.

RiskManagement

- Identifyandmitigatecreditrisksinloanproposals.
- Ensureadherencetointernalcreditpoliciesandregulatoryguidelines.
- Monitorearlywarningsignalsandtakecorrectiveactionstomaintainportfolioquality.
- MaintaindelinquencyandNPAlevelswithinacceptablelimits.

TeamManagement&StakeholderCoordination;

- GuideandsupportCreditManagers,CreditOfficers,andfieldinvestigationteams.
- CoordinatewithSales,Operations,Legal,Technical,andCollectionteamsforfastercreditdecisions.
- Conductregulartrainingsessionsoncreditpoliciesandunderwritingstandards.

PortfolioMonitoring





- Trackportfolioperformanceacrossbranchesintheassignedarea.
- Analyzeoverdueanddefaulttrends.
- Recommendpolicyenhancementsbasedonportfoliobehaviorandmarketchanges.

Process&Compliance;

- EnsurecompliancewithRBIguidelinesandcompanycreditpolicies.
- MaintainTAT(TurnaroundTime)forcreditdecisions.
- Ensureproperdocumentationandauditreadiness.

EligibilityCriteria

Education

- MBA(Finance)/CA/ICWA/AnyGraduatewithrelevantcreditexperience.

Experience

- 7to12yearsofexperienceinCreditUnderwritingwithinNBFCs,Banks,HousingFinanceCompanies,orFinancialInstitutions.
- Experienceinsecuredlending,LAP,MSMELoans,BusinessLoans,AffordableHousing,VehicleFinance,orGoldLoanspreferred.
- Strongknowledgeoffinancialanalysis,incomeassessment,bankingverification,andcreditriskmanagement.

KeySkills

- CreditUnderwriting
- RiskAssessment
- FinancialStatementAnalysis
- Retail&SMELending;
- PolicyInterpretation
- TeamManagement
- PortfolioMonitoring
- DecisionMaking
- StakeholderManagement
- RBICompliance&RegulatoryKnowledge;

KeyPerformanceIndicators(KPIs)

- CreditApprovalTAT
- PortfolioQuality
- Delinquency&NPAControl;
- ProductivityofCreditTeam
- Audit&ComplianceScores;
- BusinessSupportandGrowth
- CreditCostManagement

PreferredCandidateProfile

Aproactivecreditprofessionalwithstronganalyticalability,soundriskjudgment,teamleadershipskills,andexperienceinmanagingcreditoperationsacrossmultiplebranchesintheVijayawadaandCoastalAndhraregion.

📌 ACM_Collections Retail- Secured flows_Vijayawada (Vijayawada)
🏢 Aditya Birla Group
📍 Vijayawada