ACM_Collections Retail- Secured Flows_Vijayawada

Position

AreaCreditManager

Location

Vijayawada,AndhraPradesh

Department

Credit&RiskManagement

ReportingTo

RegionalCreditManager/StateCreditHead

RolePurpose

The Area Credit Manager is responsible for managing the credit underwriting and portfolio quality of retail and SME lending business across the assigned geography. The role involves evaluating loanproposals,conductingcreditassessments,ensuringadherencetocreditpolicies,minimizingcreditrisk,andsupportingbusinessgrowthwhilemaintainingportfoliohealth.

KeyResponsibilities

CreditAppraisal&Underwriting

• Assessandapproveloanproposalswithindelegatedauthoritylimits.
• Conductdetailedanalysisofcustomerfinancials,repaymentcapacity,bankingbehavior,andcredithistory.
• Evaluatesecuredandunsecuredloanapplicationsaspercompanypolicies.
• Reviewlegal,technical,andvaluationreportsforsecuredlendingcases.

RiskManagement

• Identifyandmitigatecreditrisksinloanproposals.
• Ensureadherencetointernalcreditpoliciesandregulatoryguidelines.
• Monitorearlywarningsignalsandtakecorrectiveactionstomaintainportfolioquality.
• MaintaindelinquencyandNPAlevelswithinacceptablelimits.

TeamManagement&StakeholderCoordination

• GuideandsupportCreditManagers,CreditOfficers,andfieldinvestigationteams.
• CoordinatewithSales,Operations,Legal,Technical,andCollectionteamsforfastercreditdecisions.
• Conductregulartrainingsessionsoncreditpoliciesandunderwritingstandards.

PortfolioMonitoring

• Trackportfolioperformanceacrossbranchesintheassignedarea.
• Analyzeoverdueanddefaulttrends.
• Recommendpolicyenhancementsbasedonportfoliobehaviorandmarketchanges.

Process&Compliance

• EnsurecompliancewithRBIguidelinesandcompanycreditpolicies.
• MaintainTAT(TurnaroundTime)forcreditdecisions.
• Ensureproperdocumentationandauditreadiness.

EligibilityCriteria

Education

• MBA(Finance)/CA/ICWA/AnyGraduatewithrelevantcreditexperience.

Experience

• 7to12yearsofexperienceinCreditUnderwritingwithinNBFCs,Banks,HousingFinanceCompanies,orFinancialInstitutions.
• Experienceinsecuredlending,LAP,MSMELoans,BusinessLoans,AffordableHousing,VehicleFinance,orGoldLoanspreferred.
• Strongknowledgeoffinancialanalysis,incomeassessment,bankingverification,andcreditriskmanagement.

KeySkills

• CreditUnderwriting
• RiskAssessment
• FinancialStatementAnalysis
• Retail&SMELending
• PolicyInterpretation
• TeamManagement
• PortfolioMonitoring
• DecisionMaking
• StakeholderManagement
• RBICompliance&RegulatoryKnowledge

KeyPerformanceIndicators(KPIs)

• CreditApprovalTAT
• PortfolioQuality
• Delinquency&NPAControl
• ProductivityofCreditTeam
• Audit&ComplianceScores
• BusinessSupportandGrowth
• CreditCostManagement

PreferredCandidateProfile

Aproactivecreditprofessionalwithstronganalyticalability,soundriskjudgment,teamleadershipskills,andexperienceinmanagingcreditoperationsacrossmultiplebranchesintheVijayawadaandCoastalAndhraregion.