Credit Manager

Aditya Birla Capital Limited; Jalandhar, Pathankot, Chandigarh; On-site; INR 1,200,000 - 2,300,000; Full time

Job description

Job Purpose - Area Credit Manager / Credit Manager Secured - To manage and oversee credit underwriting operations for the Secured Urban Loan vertical (STSL & MLAP) within the assigned area by leading a team of Credit Managers. The role is responsible for ensuring accurate and policy-compliant credit assessments, maintaining audit and regulatory compliance, and supporting portfolio health through proactive risk management. The Area Credit Manager collaborates with collections and legal teams to address defaults, builds strong stakeholder relationships, and drives team performance through effective mentoring and process optimization.

Role & responsibilities

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.

Preferred candidate profile

CA with 1-3 years of Credit experience in Bank/NBFC handling LAP/HL.