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Area Credit Manager - Credit Retail Secured

Aditya Birla Group

RemoteFull timeMid levelPosted today
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About the role

Designation:

Location: India Delhi Barakhamba Road, New Delhi

Organization: Financial Services

Job Description:

Key Result Areas

Supporting Actions

Credit Underwriting Management

  • Ensure timely and policy-compliant credit decisions across assigned branches.
  • Support branch teams in evaluating proposals and managing turnaround time.
  • Address audit and compliance observations and coordinate with collections for recovery actions

Process Improvements

  • Identify and implement local process enhancements to improve efficiency and reduce manual work.
  • Support adoption of digital tools and workflows at the branch level.

Portfolio Management

  • Monitor bounce rates and early delinquencies using MIS dashboards.
  • Implement corrective actions for high-risk accounts and support portfolio quality improvement

Business Growth

  • Collaborate with sales and channel partners to support disbursement targets.
  • Ensure smooth credit operations through regular engagement with stakeholders

Team Development

  • Train and mentor branch credit officers to strengthen underwriting and compliance.
  • Promote consistent execution of credit policies and support talent development.

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