Area Credit Manager

Role Overview:
Responsible for managing the credit function for the assigned area, ensuring quality underwriting, timely decision-making, portfolio quality and adherence to the company’s credit policies and risk parameters.

Key Responsibilities

• Manage the end-to-end credit underwriting process for the assigned Ahmedabad area.
• Evaluate MSME / Business Loan proposals based on financial, banking, business and credit parameters.
• Review financial statements, banking transactions, bureau reports, GST returns and other relevant documents.
• Assess business vintage, cash flows, repayment capacity and overall creditworthiness of customers.
• Ensure adherence to the organisation's credit policy, risk guidelines and approval matrix .
• Independently take credit decisions within the delegated authority.
• Identify potential credit risks, early warning signals and deviations and take appropriate corrective action.
• Coordinate with Sales, Credit, Operations, Legal and Collection teams for smooth processing and disbursement.
• Monitor the quality of the existing portfolio and ensure controlled delinquency.
• Maintain TAT and quality standards for credit decisions.
• Handle and guide a team of Credit Managers / Credit Officers , wherever applicable.
• Review deviations and recommend appropriate mitigants before approval.
• Ensure proper documentation and compliance before disbursement.

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