: Area Credit Manager (Retail Lending) Position: Area Credit Manager (ACM)

Location: Visakhapatnam (Vizag)

Department: Credit

Reporting To: Regional Credit Manager

Role Purpose To oversee and manage the credit underwriting function for the assigned geography, ensuring quality portfolio growth, adherence to credit policies, and timely approval of retail lending proposals while maintaining portfolio health and risk standards.

Key Responsibilities

- Manage credit appraisal and underwriting for Retail Secured products such as Home Loans, LAP, SME, and Mortgage Loans across the assigned area.
- Analyze financial statements, banking behavior, business cash flows, income documents, and credit bureau reports.
- Ensure thorough assessment of customer eligibility, repayment capacity, and collateral quality.
- Maintain TAT for login scrutiny, credit evaluation, and approval processes.
- Conduct personal discussions and field investigations wherever required.
- Monitor portfolio quality and initiate corrective actions to control delinquency and credit losses.
- Support business teams in achieving disbursement targets without compromising credit quality.
- Review deviations and recommend suitable risk mitigation measures.
- Guide and mentor Credit Managers, Credit Officers, and field credit teams.
- Coordinate with Legal, Technical, Operations, Sales, and Collection teams for smooth processing.
- Ensure compliance with internal credit policies, regulatory guidelines, and audit requirements.




- Prepare periodic MIS reports and portfolio analysis for management review.

Key Performance Indicators (KPIs)

- Portfolio Quality & Delinquency Control
- Credit Approval TAT
- Disbursement Support
- First Payment Default (FPD) Control
- Credit Cost Management
- Audit & Compliance Scores
- Productivity of Credit Team
- Cross-functional Stakeholder Satisfaction

Eligibility Criteria

- Graduate in Commerce, Finance, Business Administration, or related field.
- MBA (Finance) / CA Inter preferred.
- 6 to 10 years of experience in Credit Underwriting for Retail Assets.
- Minimum 2 to 3 years of team handling experience.
- Solid understanding of financial analysis, risk assessment, and collateral evaluation.

Required Skills

- Credit Appraisal & Underwriting
- Financial Statement Analysis
- Banking & Cash Flow Assessment
- Risk Evaluation & Mitigation
- Team Management
- Portfolio Monitoring
- Decision Making
- Stakeholder Management
- Regulatory & Compliance Knowledge
- MIS and Analytical Skills

Preferred Industry Experience

- NBFCs
- Housing Finance Companies (HFCs)
- Banks
- Mortgage Lending Institutions
- SME/Business Loan Organizations
- Retail Asset Finance Companies

Preferred Candidate Profile The ideal candidate should possess strong credit judgment, exposure to retail secured lending products, experience in managing a geographic credit portfolio, and the ability to balance business growth with portfolio quality while leading a high-performing credit team.

📌 ACM - Credit Retail Secured - Vizag (Andhra Pradesh)
🏢 Aditya Birla Capital
📍 Andhra Pradesh