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Credit

Underwriting & High-Value Approvals

- Credit Delegation & Sign-offs: Exercise high-value financial sanction/deviation delegations for unsecured loans

- Critical Review (CAMs): Evaluate and sign off on Credit Appraisal Memos (CAMs) prepared by branch/area credit teams, highlighting industry, business, financial, and management risks.

- Alternative Risk Structuring: Balance aggressive sales targets with asset safety by finding structured risk mitigants (co-applicants, additional collateral, guarantor guarantees) for self-employed or Recent-to-Credit (NTC) borrowers.

. Team Management & Branch Governance

- Team Supervision: Lead, mentor, and monitor a team of Branch Credit Managers (BCMs) and credit officers across multiple district/city branches .

- Policy Standardization: Ensure uniform and strict adherence to the NBFCs credit risk policy, underwriting guidelines, and Reserve Bank of India (RBI) regulatory mandates across all locations.

- Turnaround Time (TAT) Management: Monitor daily login-to-approval and disbursement velocities to ensure quick processing while maintaining quality controls.

📌 Field Credit Manager - Raipur
🏢 Aye Finance
📍 Raipur