ACH- Credit - SME Retail - Hyderabad

About the role

The Area Head - Credit will be responsible for managing the end-to-end credit underwriting and portfolio quality for the SME Retail business within the assigned geography. The role involves ensuring prudent credit decisions, maintaining portfolio health, driving process compliance, and supporting business growth while adhering to the organization's risk framework.

What you'll do

• Lead and manage SME Retail credit underwriting activities across the assigned region, ensuring timely and quality credit decisions
• Evaluate credit proposals, financial statements, banking behavior, cash flows, and collateral security to assess borrower creditworthiness
• Monitor portfolio quality, delinquency trends, and early warning signals, and initiate corrective actions to minimize credit losses
• Partner with Business, Risk, Operations, and Collection teams to achieve business growth while maintaining defined risk parameters
• Build, mentor, and manage a team of Credit Managers, ensuring productivity, governance, compliance, and continuous capability development

What you need

• 5–9 yrs of experience
• Credit appraisal
• Financial analysis
• Team management
• Portfolio management
• Credit risk
• Financial statements
• B.Com or BBA or MBA or M.Com

Good to have

• Cash flow