– State Credit Manager

Annapurna Finance Private Limited

1. Role Purpose

The State Credit Manager is responsible for overseeing and strengthening the credit function across the assigned state. The role ensures prudent credit decision-making, adherence to risk and compliance standards, and capability building of the credit team to support sustainable portfolio growth.

2. Key Responsibilities

2.1 Credit Sanctioning & Risk Management

- Final sanctioning of loans across all products within the assigned state, ensuring alignment with organizational credit policies.

- Regular analysis of credit and operational trends to strengthen credit decision-making and risk mitigation.

2.2 Team Management & Capability Building

- Monitor, supervise, and provide strategic guidance to the state credit team.

- Participate in the recruitment and selection of field and branch-level credit managers.

- Conduct regular training sessions, performance reviews, and capability-building initiatives to enhance team effectiveness.

2.3 Monitoring & Compliance

- Conduct periodic branch monitoring visits to identify process deviations and recommend corrective actions.

- Ensure timely closure of all internal audit observations and adherence to compliance requirements within the state.

2.4 Stakeholder Collaboration

- Actively participate in forums, meetings, and training sessions with the operations team to improve turnaround time (TAT)



and strengthen credit controls.

- Collaborate with cross-functional teams to ensure alignment between credit and business objectives.

2.5 Leadership Role

- Serve as a key member of the State Leadership Team, contributing to strategic decision-making and overall state performance.

3. Key Skills & Competencies

- Credit Analysis: Strong ability to assess borrower creditworthiness through detailed financial analysis.

- Financial Acumen: Proficiency in interpreting balance sheets, income statements, and cash flow statements.

- Regulatory Knowledge: Sound understanding of banking and microfinance regulations.

- Communication Skills: Ability to present complex financial insights clearly to stakeholders.

- Decision-Making: Robust judgment in high-risk and time-sensitive situations.

- Problem-Solving: Analytical mindset to identify issues and implement effective solutions.

- Interpersonal Skills: Ability to build and maintain relationships across teams and stakeholders.

- Data Analysis: Proficiency in using analytical tools to evaluate credit trends and borrower behaviour.

4. Educational Qualification

- Bachelor’s or Master’s degree in Finance, Accounting, or a related discipline.

5. Experience

- Minimum 7 years of relevant experience in the Microfinance sector or Banking industry, preferably in credit roles.

📌 State Credit Manager/Credit and Appraisal/Punjab and Haryana/2026 (Hisar)
🏢 Annapurna Finance
📍 Hisar