Area Credit Manager - Credit Retail Secured

Aditya Birla Group · Delhi · onsite · Posted 45d ago

Not disclosedFresherfulltimeSourced from Foundit

About a minute. You'll make an account on the way through.

About this role

Job Description

Key Result Areas	Supporting Actions
Credit Underwriting Management	Ensure timely and policy-compliant credit decisions across assigned branches. Support branch teams in evaluating proposals and managing turnaround time. Address audit and compliance observations and coordinate with collections for recovery actions
Process Improvements	Identify and implement local process enhancements to improve efficiency and reduce manual work. Support adoption of digital tools and workflows at the branch level.
Portfolio Management	Monitor bounce rates and early delinquencies using MIS dashboards. Implement corrective actions for high-risk accounts and support portfolio quality improvement
Business Growth	Collaborate with sales and channel partners to support disbursement targets. Ensure smooth credit operations through regular engagement with stakeholders
Team Development	Train and mentor branch credit officers to strengthen underwriting and compliance. Promote consistent execution of credit policies and support talent development.

Sourced from foundit

Skills

underwriting

About Aditya Birla Group

Aditya Birla Group

Metals & Mining

227.5k+

employees

1857

169 years old

Mumbai, Maharashtra

India

About

Aditya Birla Group is a Fortune 500 global conglomerate. The company's businesses have grown into global powerhouses in a wide range of sectors metals, textiles, carbon black, telecom and cement.

Industries

Metals & MiningFinancial ServicesBuilding MaterialRetailTelecomChemicals

Employee ratings

2,383 reviews

4.1/ 5

Culture

3.9

Career growth

3.5

Work-life

4.0

Employees rate it well for

Work Culture191Salary167Senior Management152Work Life Balance146Job Security123

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Key Result Areas

Supporting Actions

Credit Underwriting Management

Ensure timely and policy-compliant credit decisions across assigned branches.
Support branch teams in evaluating proposals and managing turnaround time.
Address audit and compliance observations and coordinate with collections for recovery actions

Process Improvements

Identify and implement local process enhancements to improve efficiency and reduce manual work.
Support adoption of digital tools and workflows at the branch level.

Portfolio Management

Monitor bounce rates and early delinquencies using MIS dashboards.
Implement corrective actions for high-risk accounts and support portfolio quality improvement

Business Growth

Collaborate with sales and channel partners to support disbursement targets.
Ensure smooth credit operations through regular engagement with stakeholders

Team Development

Train and mentor branch credit officers to strengthen underwriting and compliance.
Promote consistent execution of credit policies and support talent development.