Area Credit Manager - Unsecured Self Emp...

PeopleStrong; Ludhiana; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

PeopleStrong is seeking an Area Credit Manager - Unsecured Self Employed in Punjab to lead credit decisions across branches, ensuring policy compliance and timely underwriting.

You will mentor branch credit officers, collaborate with sales and channel partners to meet disbursement targets, and drive process improvements that reduce manual work while safeguarding portfolio quality.

Qualifications

• Credit analysis expertise required, including assessing creditworthiness and risk.
• Note: CA qualification highlighted for advanced credit operations.
• Finacial terminology and assessment skills may be used in decision making.

Responsibilities

• 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.
• Identify and implement local process enhancements to improve efficiency and reduce manual work.
• Support adoption of digital tools and workflows at the branch level.
• Monitor bounce rates and early delinquencies using MIS dashboards.
• Implement corrective actions for high-risk accounts and support portfolio quality improvement.
• Collaborate with sales and channel partners to support disbursement targets.
• Ensure smooth credit operations through regular engagement with stakeholders.
• Train and mentor branch credit officers to strengthen underwriting and compliance.
• Promote consistent execution of credit policies and support talent development.

Skills

Credit Analysis

Finacial

Chartered Accountant

Job description

Area Credit Manager - Unsecured Self Emp...

ABG112794

• Financial Services
• Punjab

Posted On 22 Sep 2026

End Date 06 Oct 2026

Required Experience 5 - 10 years

Basic Section

No. Of Position 1

Grade 10

Level Credit Analyst

Organisational

DEPARTMENT-1 Credit - Retail Unsec Self Emp

Country

India

Skills

Skill

Credit Analysis Finacial

Chartered Accountant

CERTIFICATION

Job Description

Key Result Areas

Supporting Actions

• 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.
• 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.