Job Description

Key Responsibilities

Credit Underwriting & Decisioning

- Lead credit underwriting for the portfolio across the state.
- Evaluate complex credit proposals based on financial, business, banking, and bureau assessments.
- Approve credit proposals within delegated authority and recommend higher-value cases as per approval matrix.
- Ensure adherence to internal credit policies, regulatory guidelines, and risk frameworks.

Portfolio Quality & Risk Management

- Monitor portfolio health, delinquency trends, and early warning indicators.
- Drive initiatives to improve portfolio quality and minimize credit losses.
- Analyze default patterns and implement corrective actions.
- Ensure robust risk assessment and fraud prevention practices.

Business Partnership

- Collaborate with Sales, Operations, Legal, Technical, and Credit teams to achieve business objectives.
- Balance growth with prudent risk management.
- Support product launches, policy implementation,



and market expansion initiatives.
- Provide guidance on structuring credit proposals for viable business opportunities.

Team Leadership

- Lead, mentor, and develop the state credit team.
- Monitor individual and team performance through defined KPIs.
- Conduct regular training on underwriting standards, policy updates, and risk assessment techniques.
- Build a high-performance, customer-focused credit team.

Policy & Process Governance

- Ensure consistent implementation of credit policies across branches.
- Recommend policy enhancements based on market feedback and portfolio analysis.
- Maintain compliance with audit, regulatory, and internal control requirements.
- Drive process improvements to enhance underwriting quality and turnaround time.

📌 State Credit Manager (Chennai)
🏢 Aditya Birla Group
📍 Chennai