Area Credit Manager

About the role

As an Area Credit Manager, you will oversee credit operations and portfolio performance across multiple branches in your assigned region. You will guide branch credit teams, review credit proposals, mitigate risks, and ensure compliance with credit policies and regulatory guidelines.

What you'll do

• Review, evaluate, and approve credit applications for retail and business customers across the assigned region
• Monitor portfolio quality, track early warning signals, and implement corrective actions to minimize risk
• Mentor and support branch credit officers to strengthen credit assessment and decision-making capabilities
• Ensure adherence to RBI guidelines, internal credit policies, and regulatory requirements across all branches
• Collaborate with branch managers and operations teams to streamline credit processes and reduce turnaround times

What you need

• 6–10 yrs of experience
• Financial analysis
• Credit appraisal
• Risk management
• MIS reporting
• Compliance
• Chartered Accountant or CFA or B.Com or MBA or M.Com

Good to have

• CFA
• Underwriting