Key Responsibilities

1. Approve and sanction loan proposals across all loan products within the assigned Zone/State, ensuring strict adherence to the organization's Credit Policy, Delegation of Authority (DOA), and risk management framework.
2. Monitor and analyze portfolio quality, credit trends, delinquency, and operational performance within the assigned geography, and recommend corrective actions to mitigate portfolio risk.
3. Lead, mentor, and supervise the Branch Credit Managers and Credit team to ensure productivity, quality of appraisal, and compliance with organizational standards.
4. Participate in the recruitment, selection, onboarding, and capability development of Branch Credit Managers and other Credit function employees.
5. Conduct periodic branch visits, credit audits, and field reviews to assess credit underwriting quality, process adherence, fraud risks, and operational effectiveness, and ensure timely closure of identified gaps.
6. Ensure compliance with Internal Audit observations, Risk reviews, Regulatory requirements, and Standard Operating Procedures (SOPs), driving timely implementation of corrective and preventive actions.
7. Organize regular training programs,



knowledge-sharing sessions, and coaching initiatives to enhance the technical and functional competency of the Credit team.
8. Monitor key Credit KPIs, including TAT, approval quality, rejection ratio, portfolio quality, PAR/NPA trends, audit scores, and productivity, and implement improvement initiatives to achieve business objectives.
9. Collaborate closely with Business, Operations, Risk, Collections, Legal, and other support functions to enable sustainable business growth while maintaining sound credit discipline and portfolio quality.
10. Participate in State/Regional review meetings, leadership forums, and strategic initiatives, providing insights and recommendations for continuous process improvement and operational excellence.
11. Ensure timely submission of MIS, portfolio analysis reports, exception reports, and management dashboards to support informed business decisions.
12. Drive a culture of governance, accountability, ethical lending practices, and customer-centric credit decision-making across the assigned Zone/State.

📌 Zonal Credit Manager/Gorakhpur Zone/Uttar Pradesh/Credit and Appraisal/2026
🏢 Annapurna Finance
📍 Gorakhpur