Position

Zonal Credit Manager

Company

Annapurna Finance (P) Ltd.

Grade/HR Band

Associate Manager/Manager

Legal Entity

NBFC-MFI

Department

Credit and Appraisal

Regulatory Body

RBI

Location

Karnataka

Category

Private Ltd.

Reporting Authority

State Credit Manager

Package

Negotiable

1. Company Profile

Annapurna Finance (P) Ltd. is one of the largest Microfinance companies of India. Since inception Annapurna has grown at an accelerating pace & currently working in more than 1662 locations in 22 states of India. Annapurna offers small size loans to poor women in rural parts of the country for income generation purpose. Annapurna recently has marked his segments like Housing Loan, Consumer Durables Loan, MSME Loan, Fintech etc.

Annapurna Finance Pvt. Ltd (AFPL) was established with the purpose of serving the economically weaker sections of society, by bringing them to mainstream, providing need-based financial services at their doorstep. Its objectives have not only limited to just reach and service but also by providing financial and technical support to strengthen entrepreneurial skill for effective and productive undertaking of business activities.

Headquarter: Bhubaneswar, Odisha Website: https://annapurnafinance.in/

2.

1. Final Sanction of loans of all loan products of their respective zone/state.
2. Routine analysis and study of various credit /operations related trends in the respective zone which lead to credit decisions.
3. Involvement in the recruitment process of field branch credit managers team.
4.



Branch monitoring visits to identify process gaps if any and report to the respective authorities.
5. Monitoring and Supervision of Credit team of the respective zone.
6. Complying and closing all Internal Audit findings of the respective zone.
7. Conducting constant Training and reviews to enhance the overall quality of the Credit team.
8. Participation in different forums/ meetings /training session organized for operations team for TAT optimization and better credit control.
9. Part of the state leadership team.

3. Skills

1. Credit Analysis: Ability to evaluate the creditworthiness of borrowers by analyzing financial data, such as income, expenses, and employment.
2. Financial Acumen: Understanding of balance sheets, income statements, and cash flow statements.
3. Regulatory Knowledge: Familiarity with banking and financial regulations, especially those related to credit.
4. Communication: Capability to convey complex financial information clearly to team members, borrowers, and upper management.
5. Decision-Making: Ability to make informed and timely decisions, especially when dealing with high-risk scenarios.
6. Problem-Solving: Identifying issues and coming up with effective solutions.
7. Interpersonal Skills: Building and maintaining relationships with borrowers, team members, and other stakeholders.
8. Data Analysis: Using data analytics tools to assess credit trends, borrower behavior, etc.

4. Educational Qualification

Master’s or bachelor’s degree in finance, accounting or a relevant field.

5. Experience

Minimum 5 years of relevant experience in the Microfinance sector or bank.

📌 Zonal Credit Manager/Karnataka/Credit/2025 (Hubli)
🏢 Annapurna Finance
📍 Hubli