Credit Manager
Aditya Birla Capital Limited · Jalandhar · onsite · Posted 1d ago
About a minute. You'll make an account on the way through.
About this role
Job Purpose - Area Credit Manager / Credit Manager Secured - To manage and oversee credit underwriting operations for the Secured Urban Loan vertical (STSL & MLAP) within the assigned area by leading a team of Credit Managers. The role is responsible for ensuring accurate and policy-compliant credit assessments, maintaining audit and regulatory compliance, and supporting portfolio health through proactive risk management. The Area Credit Manager collaborates with collections and legal teams to address defaults, builds strong stakeholder relationships, and drives team performance through effective mentoring and process optimization.
Role & responsibilities
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.
Preferred candidate profile
CA with 1-3 years of Credit experience in Bank/NBFC handling LAP/HL.
Sourced from naukri