Job Purpose

An Area Credit Manager will be responsible for managing loan approvals within defined turnaround time, ensuring adherence to compliance requirements, and monitoring portfolio quality across designated branches.

Loan Approvals

1. Complete loan approval process within stipulated TAT.
2. Monitor and control post-approval audit findings and provide timely compliance.
3. Analyse stage-wise loan proposal rejections and track the occurrence trends to identify the focus areas

Product Policy Execution

1. Ensure timely implementation of Head Office circulars, current products, and updated credit policies at the branch level
2. Training the branch staff on the updated process and policies as and when required.

Branch Visits & related Analysis

1. Conduct regular branch visits and prepare analysis reports based on observations.
2.



Identify early warning indicators leading to NPAs/overdue accounts and escalate to supervisors.

Coordination & Support

1. Support branch teams in adhering the regulatory guidelines to ensure quality disbursements.

Skills

1. Must be proficient in MS office tools.
2. Must have good verbal and written communication skills.
3. Must have a friendly and professional demeanour.
4. Must possess analytical skills to assess Borrower’s credit returning ability
5. Open to frequent travel within state

Educational Qualification

1. Graduation in any stream
2. Experience: Minimum 3 years in Micro-finance

📌 AP/Area Credit Manager/Credit and Appraisal/August/2026/00027 (Visakhapatnam)
🏢 Annapurna Finance
📍 Visakhapatnam