State Credit Manager - Credit Retail sec...

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

Job summary

PeopleStrong is seeking a State Credit Manager for Credit Retail. The role oversees regional portfolio health, risk mitigation, and compliance with management directives to protect assets.

Ideal candidates have 8–15 years in credit risk, with strong analytical and leadership capabilities. The position focuses on regional matters and requires experience in salaried and retail credit dynamics within tiered markets.

Qualifications

• 8–15 years in credit risk/retail credit management.
• Strong knowledge of portfolio monitoring and risk mitigation.
• Experience with delinquency tracking and file quality measures.

Responsibilities

• Regularly review and monitor regional portfolio performance.
• Lead risk management initiatives and action upon bureau/rating inputs.
• Mentor and supervise a team of risk managers (10+).
• Ensure decisions align with management directives and timelines.

Skills

Credit Analysis

Credit

MBA

Job description

State Credit Manager - Credit Retail sec...

ABG102762

• Financial Services
• Madhya Pradesh

Posted On 08 Apr 2026

End Date 05 Oct 2026

Required Experience 8 - 15 years

Basic Section

No. Of Position 1

Grade 9

Level Regional Manager

Organisational

DEPARTMENT-1 Credit - Retail Secured

Country India

Skills

Skill

Credit Analysis Credit

MBA

CERTIFICATION

Job Description

• Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management. Track the movement of the portfolio is in-line with management mandate.
• Quality is measured by delinquency, bounce rates, loss numbers, RCR and File quality scores are key deliverables

Business & Financial Management

• Calibrate the capacity plan in line with business needs
• Identify and act upon various risk arising out of credit/process activities
• Risk mitigation- bureau/rating agencies/collection reports to be reviewed
• Do periodical stress tests to ensure necessary actions are taken in markets having sharp movement in real estate prices
• Track and react to external influence on portfolio Bureau/rating agencies

Customer Focus

• Take decisions which are aligned to the management directive keeping customer in mind
• Bring in the efficiency in the system by enabling decisions being taken within defined timelines
• Understand the Salaried / Self Employed market dynamics for STSL business in smaller towns say tier 3 – 4 markets

People/Team Management

• Effective training and timely communication of policy & underwriting standard
• Manage and supervise direct reports with continuous engagement on portfolio performance, process controls and supervisory review
• Interaction with business and allied teams to incorporate changes

  Strong interpersonal skills to manage team size of 10+ risk managers

  Capable to mentor 3 - 4 middle layer Managers towards progressive career path

  Productivity Management & Improvement

  • Productivity and its management is the key deliverable
  • Quality is measured by no of files managed on monthly basis
  • Initiatives for improving the productivity at every level is also one of the key deliverables