Area Credit Manager - Unsecured Self Employed - Panipat

Aditya Birla Group; Haryana; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Aditya Birla Group is seeking an Area Credit Manager - Unsecured Self Employed for Panipat. The role focuses on timely, policy-compliant credit decisions and close collaboration with branch teams to evaluate proposals and manage turnaround times.

The incumbent will address audit observations, coordinate with collections, drive process improvements, and promote digital tool adoption at the branch level to strengthen portfolio quality and risk management.

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

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

Area Credit Manager - Unsecured Self Employed - Panipat

Designation : Manager

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.
• Discover more about life at Aditya Birla Group