Job Requirements
Job Title – Area Operations Manager
Place of work – Mumbai
Business Unit – Rural Banking
Function – Credit Operations
Job Purpose:
This role entails management and maintenance of the quality of the credit portfolio pertaining to the client portfolio from origination to collections while ensuring alignment with IBFC First's credit risk appetite and the overall credit strategy in order to minimize problematic accounts and losses in the assigned area to the bank. This role has a primary responsibility to review the customers’ credit evaluation and assessment results and proceed to the accurate and timely update of their credit limit at the relevant systems, so as to support the effective management and execution of the credit application process.
Primary Responsibilities:
Implement approved departmental policies, processes, procedures and provides instructions to subordinates and monitor their adherence so that work is carried out in a controlled manner.




Monitor the approvals / cancelation / freeze of the customers’ credit limits and proceed to the relevant account’s accurate and timely update to the available systems, so as to support the accurate provision of credit to customers.
Communicates with the relevant Credit Analysts in case of clarifications required regarding the credit limits of the clients and proceeds to their accurate update.
Provides the required information as requested from all the available systems regarding the customer accounts credit limit profile.
Inform relevant teams regarding any potential change in the customer credit limit status, so as to support the accurate administration and management of the credit applications and customer accounts.
Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT.
Employ tools such as automation and digitization to increase process efficiency.
Conduct detailed analysis of delinquencies and recommend changes to the product teams.
Ensure

📌 Area Operations Manager (Vadodara)
🏢 IDFC FIRST Bank
📍 Vadodara