Area Credit Manager | PRIME LAP

Key Responsibilities

• Credit Appraisal & Underwriting: End-to-end underwriting and appraisal of LAP, Home Loans, and SME secured loan proposals in compliance with company credit policies and deviation matrices.
• Financial & Risk Analysis: Scrutinize financial statements, GST returns, bank statements, ITRs, CIBIL/bureau reports, and calculate eligibility using FOIR, LTV, DSCR, and banking programs.
• Personal Discussion (PD) & Field Verification: Conduct physical Personal Discussions (PD) with high-ticket self-employed (SENP/SEP) and cash-salaried clients to assess business models, income reliability, and cash flows.
• Team Management & Leadership: Supervise, mentor, and train Branch Credit Managers (BCMs) and Credit Processing Associates across assigned branches in North Karnataka.
• Vendor & Verification Oversight: Monitor and coordinate external vendor reports including Legal Title Search Reports (TSR), Property Technical Valuation, Field Investigation (FI), and Fraud Control Unit (FCU/RCU) reports.
• Portfolio Quality & Delinquency Management: Track early warning signals (EWS), DPD movement, and NPA trends across the region to ensure healthy portfolio performance and zero-audit observations.
• TAT & Process Governance: Ensure strict adherence to turnaround times (TAT) from file login to sanction and disbursement while maintaining policy compliance.

Qualifications & Requirements

• Education: Bachelor's Degree / Master's Degree / MBA in Finance or equivalent professional qualification.
• Experience: 56 years of total work experience in retail credit underwriting with substantial expertise in LAP and secured lending in NBFCs or Banks.
• Regional Knowledge: In-depth understanding of the North Karnataka market (Hubballi, Belagavi, and surrounding areas) and local property/legal norms.
• Language Skills: Fluency in Kannada and English is essential.