Area Credit Manager - Unsecured Self Employed - Ludhiana

Aditya Birla Capital; Punjab; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Aditya Birla Capital is seeking a seasoned Credit Underwriting Manager to lead underwriting across branches and ensure policy-compliant decisions. You will coordinate with branches to evaluate proposals, monitor turnaround times, and address audit findings while coordinating with collections for recovery actions.

You will drive process improvements, adopt digital tools, monitor performance via MIS dashboards, and support growth by engaging with sales and channel partners.

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

Job description

Key Result Areas

Supporting Actions

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.