Area Credit Manager- Salaried PL Hyderabad

Abacus Consultants; Hyderabad; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Abacus Consultants in Hyderabad, India is seeking a seasoned Credit Underwriter to evaluate SME/Business loan proposals, assess financial statements, and oversee risk controls. You will drive policy compliance, monitor portfolio performance, and guide a team of credit analysts in fast-paced lending environments.

This role requires strong leadership, deep credit knowledge, and the ability to coordinate with sales, legal, and valuation partners to maintain portfolio quality and achieve TAT targets.

Responsibilities

• Credit Underwriting: Evaluate business proposals, financial statements, cash flows, and creditworthiness for SME/Business Loans.
• Risk Management: Implement risk mitigation strategies, identify early warning signals, and manage portfolio quality to reduce NPAs.
• Policy Adherence: Ensure all loan applications comply with company credit policies and external regulatory norms.
• Portfolio Management: Monitor portfolio performance, trends, and delinquencies in the assigned state.
• Team Leadership: Supervise credit analysts/managers, providing training and monitoring team performance on TAT (Turnaround Time) and accuracy.
• Stakeholder Interaction: Liaise with sales teams to manage loan pipelines and with legal/technical vendors for valuation.

Job description

Job Description:

Key Responsibilities

• Credit Underwriting: Evaluate business proposals, financial statements, cash flows, and creditworthiness for SME/Business Loans.
• Risk Management: Implement risk mitigation strategies, identify early warning signals, and manage portfolio quality to reduce NPAs.
• Policy Adherence: Ensure all loan applications comply with company credit policies and external regulatory norms.
• Portfolio Management: Monitor portfolio performance, trends, and delinquencies in the assigned state.
• Team Leadership: Supervise credit analysts/managers, providing training and monitoring team performance on TAT (Turnaround Time) and accuracy.
• Stakeholder Interaction: Liaise with sales teams to manage loan pipelines and with legal/technical vendors for valuation.