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: Solid 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
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