Job Description:

Area Manager- Credit Analyst
INTERNAL USAGE:
No. of Vacancies: Reports to: Regional Manager- Credit Analyst
Is a Team leader? Y Team Size: 7-10
Grade: M/SM
Business: Bharat Banking Department:� Bharat Enterprise Sub-Department: Nano Business
Location:
About
This is new vertical in Bharat Banking-Bharat Enterprise. This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh.
About the Role

The Area Manager-Credit Analyst is responsible for managing a team of Credit Analyst responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano Business loan.

The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank.

The role will be taking care of 2-4 districts of state based on the portfolio size
Key Responsibilities

� Ensure the verification process is compiled within expected TAT with first time right approach

� Ensure Credit Analyst are trained on the policy and processes

� Ensure correctness of credit note prepared by Credit Analyst as per banks policy

� Imparting training to Sales Officer/Manager for quality sourcing

� Fraud risk management

� Managing compliance on documentation

� Manage early delinquencies to ensure portfolio performance

� Keeping regular track of competition and reporting new products/market development/Legal risks/ Political Risks/Local demographic issues

� Periodic visits of customers and cross checking of sourcing quality/ loan utilization

� Adhering to the banks policies and ensuring compliance of the same.
Qualifications

Optimal qualification for success on the job is:

� Education: Graduation/Post Graduation

� Maximum Age: 35 Years

� Experience:



3-7 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL

o Positive understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAP
Role Proficiencies:

For successful execution of the job, a candidate should possess the following:

� Knowledge

− Good knowledge of field level operations and systems

− Experience in assessed business income is must.

− Should have knowledge on

o Local market understanding

o Understanding on Bank statement

o Repayment record assessment

o Working knowledge of property valuation in local market

o Working knowledge of Legal related documentation

� Skills

− Good leadership skills

− Good communication (both verbal & written) and inter-personal skills

− Time management

� Abilities

− Ability to work effectively across functions

− Ability to work as a part of team and contribute towards team goals

Skills:

Refer to the Job Description

About Company:

Axis Bank is the third largest private bank in India, serving ~59 million customers with a workforce of over 104,400 employees as on March 31, 2025. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. As on March 31, 2025, The Bank has a large footprint of 5,876 domestic branches, 13,941 ATMs and cash recyclers, with close to 47% branches in rural and semi-urban region. The Bank's overseas operations encompass eight international offices, including branches in Singapore, Dubai (at DIFC), and Gift City-IBU. There are also representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings.

📌 Bharat Banking:Area Manager Credit Analyst - Nano Business (Mehsana)
🏢 Axis Bank
📍 Mehsana