Area Credit Manager - Unsecured Self Emp...

Aditya Birla Group; Panipat; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Group in India seeks an Area Credit Manager for Unsecured Self Employed roles in Panipat, Haryana. The position demands strong credit judgment, risk oversight, and policy compliance to support branch operations.

Key responsibilities include evaluating proposals, ensuring timely decisions, and coordinating with collections for recovery actions while driving process improvements and enhanced portfolio quality across retail unsecured segments.

Qualifications

• 1–10 years of experience in credit/risk or retail lending.
• Knowledge of credit policy and compliance requirements.
• Strong Analytical skills and financial assessment ability.

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.

Skills

Risk & Compliance

Credit Analysis

Financial Analysis

Education

Chartered Accountant

Job description

Area Credit Manager - Unsecured Self Emp...

ABG115650

• Financial Services
• Haryana

End Date 19 Nov 2026

Required Experience 1 - 10 years

Basic Section

No. Of Position 1

Grade 10

Level Manager

Organisational

DEPARTMENT-1 Credit - Retail Unsec Self Emp

Country India

Skills

Skill

Risk & Compliance Credit Analysis Financial Analysis

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.