The Area Credit Manager (ACM) will be responsible for overseeing the end-to-end loan approval process within defined turnaround times (TAT), while ensuring strict adherence to regulatory guidelines and internal compliance standards. The role involves continuous monitoring of portfolio quality across assigned branches to maintain asset quality and mitigate risks. The ACM will conduct periodic branch visits to assess operational efficiency, ensure compliance with credit policies, and identify potential risk areas.

Additionally, the role includes timely closure of audit observations, effective implementation of organizational policies and procedures at the branch level and providing ongoing support to ensure adherence to regulatory and internal processes.

- Scope of Work The Area Credit Manager will oversee credit operations for an assigned cluster of 6–8 branches, ensuring:

1. Timely loan approvals within defined Turnaround Time (TAT)
2. Effective implementation of credit policies and procedures
3. Continuous monitoring of portfolio performance and risk indicators
4. Compliance with regulatory guidelines and audit requirements.

2.

4.1 Loan Approvals

3.1.1. Ensure completion of the loan approval process within the defined

Turnaround Time (TAT), maintaining accuracy and compliance.

3.1.2.



Monitor post-approval audit observations and ensure timely closure through appropriate corrective actions.

3.1.3. Analyse stage-wise loan proposal rejections to identify trends, root causes, and key focus areas for process improvement.

4.2 Product and Policy Execution

3.2.1 Ensure effective and timely implementation of Head Office circulars, recent product launches, and updated credit policies at the branch level.

3.2.2 Facilitate training and knowledge sessions for branch staff on revised processes, policies, and product guidelines to ensure uniform understanding and execution

4.3 Branch Visits & Analysis

4.3.1 Conduct periodic branch visits to assess operational efficiency, compliance, and adherence to credit policies.

4.3.2 Prepare detailed analytical reports based on branch observations, highlighting gaps, risks, and improvement areas.

4.3.3 Identify early warning signals that may lead to NPAs or overdue accounts and escalate the same to the concerned authorities for timely intervention.

4.4 Coordination & Support

4.4.1 Provide continuous support to branch teams to ensure adherence to regulatory guidelines and internal policies.

4.4.2 Facilitate smooth coordination between branches and Head Office for operational clarity and issue resolution.

4.4.3 Ensure quality disbursements by promoting best practices and strengthening process compliance at the branch level.

📌 Acm/Tn/2026/0002 (Visakhapatnam)
🏢 Annapurna Finance
📍 Visakhapatnam