Area Head Credit (SME Retail)

Location: Hyderabad
Experience: 5+ Years
Department: SME Retail Business

Role Purpose

The Area Head Credit will be responsible for managing the endtoend credit underwriting and portfolio quality for the SME Retail business within the assigned geography. The role involves ensuring prudent credit decisions, maintaining portfolio health, driving process compliance, and supporting business growth while adhering to the organizations risk framework.

Key Responsibilities
Lead and manage SME Retail credit underwriting activities across the assigned region, ensuring timely and quality credit decisions.
Evaluate credit proposals, ficial statements, banking behavior, cash flows, and collateral security to assess borrower creditworthiness.
Monitor portfolio quality, delinquency trends, and early warning signals, and initiate corrective actions to minimize credit losses.
Partner with Business, Risk, Operations, and Collection teams to achieve business growth while maintaining defined risk parameters.
Build, mentor, and manage a team of Credit Managers, ensuring productivity, goverce, compliance,



and continuous capability development.

Key Requirements
Graduate/Postgraduate in Fice, Commerce, Management, or related discipline.
Minimum 5+ years of experience in SME/LAP/MSME/Retail Credit underwriting and portfolio management.
Solid understanding of ficial statement analysis, credit appraisal, risk assessment, banking products, and regulatory guidelines.
Experience in team handling and managing multiple branches/locations.
Excellent stakeholder management, analytical, decisionmaking, and communication skills.

Key Competencies
Credit Risk Assessment
SME Ficial Analysis
Portfolio Monitoring
Team Leadership
Decision Making
Stakeholder Management
Compliance Goverce
Business Acumen

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📌 Ach Credit Sme Retail Hyderabad
🏢 Aditya Birla Insulators
📍 Hyderabad