Area Credit Manager

Birla Carbon; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Group invites applications for an Area Credit Manager based in Bengaluru. The role oversees credit underwriting, reviews credit proposals, and ensures adherence to policies while mitigating risk.

You will lead a team across locations, drive fast loan decisions in collaboration with analysts and sales teams, and monitor credit exposures to keep portfolios bankable.

Qualifications

• Experience in credit underwriting and reviewing credit proposals.
• Ability to guide multi-location teams and drive risk-based decisions.
• Strong analytical and communication skills.

Responsibilities

• Oversee the credit underwriting function and review credit proposals for the region.
• Facilitate quick turnaround of lending proposals with credit analysts and sales teams.
• Mitigate risk and ensure adherence to legal & documentation norms and policies.
• Review and monitor client creditworthiness from pre-sanction to post-disbursement phase.
• Approve credit proposals within authority or escalate to NRM / Credit Committee.

Skills

Credit underwriting

Risk management

Credit analysis

Team leadership

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Area Credit Manager

Designation :

Job Description:

The purpose of this job is:

• To oversee the credit underwriting function and review of credit proposals logged in for the region
• To facilitate quick turnaround of credit lending proposals in close liaison with the local credit analysts and sales teams.
• To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal & documentation norms & policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities
• To undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• To review and ensure documentation of the proposals and effectively monitor client creditworthiness from the pre sanction to post disbursement phase
• To approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision.

To guide, motivate and manage a team spread across different locations and serving different business segments.

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