Area Credit Manager - Prime - Delhi

Role Overview

This position is responsible for leading the regional credit underwriting process for loan proposals, ensuring that cases are assessed quickly, accurately, and in line with policy. The role also involves balancing growth with risk control by identifying credit concerns, recommending mitigation steps, and maintaining compliance with legal and documentation standards.

In addition to reviewing and approving proposals within assigned authority, the role requires close coordination with sales, local analysts, and approval forums to keep turnaround times efficient and credit quality strong.

Core Responsibilities

• Lead the evaluation of credit proposals sourced from the region and ensure each case is assessed thoroughly.
• Work closely with local credit analysts and sales teams to speed up lending decisions without compromising quality.
• Identify risk areas in proposals, recommend corrective actions, and ensure all legal, policy, and documentation requirements are met.
• Continuously monitor existing exposures to confirm that accounts remain creditworthy and bankable over time.
• Review proposal documentation from pre-sanction through post-disbursement and ensure client creditworthiness is monitored throughout the lifecycle.
• Approve cases within delegated authority and escalate or recommend proposals to NRM, Credit Committee, Zonal, or National levels as needed.
• Guide, coach, and oversee a team working across multiple locations and business segments.
• Ensure the regional flow of business and individual loan proposals is smooth, structured, and institutionalized across branches.
• Confirm that every proposal contains all information needed for sound credit judgment, including due diligence inputs and customer-specific details.
• Maintain credit appraisal turnaround times and coordinate with sales teams to improve overall sanction speed.
• Manage a team of credit analysts responsible for due diligence, analysis, and recommendations.
• Collect, verify, and analyze credit information through direct customer interaction and external research wherever required.
• Prepare and submit Credit Appraisal Memorandums with clear risk identification to support prudent decision-making.
• Ensure sanction letters are accurate and deviations are recorded properly to avoid revenue leakage.
• Coordinate completion of documents from relationship managers and transfer full documentation to operations for disbursement.
• Track proposal documents, approval timelines, and process compliance through strong documentation controls.
• Prepare MIS, trend reports, and portfolio variance/default analysis for regional and stakeholder review.
• Monitor covenants, sanction conditions, overdue accounts, and recovery actions for the region.
• Address customer complaints and escalations during and after disbursement in appropriate cases.
• Drive process improvement initiatives to support business requirements, customer satisfaction, and risk reduction.
• Train and develop credit and sales teams on products, processes, legal requirements, and technical aspects.

Job Context and Business Challenges

The role sits within the lending business of Aditya Birla Financial Services Group and supports specialized financing solutions across secured and unsecured segments. The business operates in a highly competitive, price-sensitive market and competes with banks and financial institutions across multiple lending categories.

The unsecured lending portfolio serves short- and medium-term working capital needs for small businesses and individuals through customized products without collateral. Credit risk decisions therefore require strong judgment, a balance between growth and control, and consistent monitoring across the credit lifecycle.

Dimensions

This role is expected to handle regional credit workflows, team oversight, approval authority within limits, process adherence, and portfolio quality indicators such as non-performing assets. Exact headcount, budget, and volume metrics were not specified in the source.

Key Result Areas

• Ensure strong underwriting discipline by evaluating business strength, financial statements, income tax returns, cash flows, repayment history, bank balance patterns, and internal credit norms.
• Conduct direct checks and external market research to support informed credit decisions.
• Take decisions at the regional level where permitted and escalate other cases to higher approval forums with complete justification.
• Submit timely credit appraisal notes that clearly explain the borrower profile and the associated risks.
• Protect revenue by issuing correct sanction letters and capturing deviations accurately during case assessment.
• Ensure complete documentation is obtained from relationship managers and handed over to operations for disbursement.
• Maintain strong controls over proposal documentation, turnaround tracking, and process compliance.
• Prepare and present management information reports and trend analysis for portfolio monitoring and regional action.
• Track sanctioned conditions, covenants, overdue accounts, and recovery follow-ups.
• Lead and develop the regional credit analyst team so that turnaround time, process standards, and credit quality targets are met.
• Deliver training to local process and sales teams on product, process, legal, and technical matters.

Challenges

• Ensuring complete and accurate data is available for every proposal despite complex customer, product, and regulatory requirements.
• Maintaining fast turnaround times in a highly dynamic and competitive environment.
• Keeping credit risk and customer risk under control at all times.
• Coordinating effectively across functions so proposals are approved without delay.
• Monitoring pending documents and stressed accounts on an ongoing basis.
• Staying current on economic, industry, and sector developments and applying that knowledge to credit decisions.

Skills and Competencies

• Strong credit analysis and underwriting capability
• Risk assessment and mitigation planning
• Financial statement analysis
• Attention to detail
• Decision-making and judgment
• Stakeholder coordination
• Team leadership and coaching
• Process and SOP adherence
• Documentation and compliance management
• MIS reporting and portfolio monitoring
• Market and industry intelligence
• Target orientation and ownership

Education and Experience

The role requires a Chartered Accountant or an MBA, along with 4 to 7 years of experience in credit and risk functions within banks or NBFCs.

Additional Information

Key business segments mentioned include capital markets, corporate/trade finance, commercial real estate, mortgages, business loans for small enterprises, and personal loans. The role also involves managing approvals, process discipline, documentation integrity, and regional risk control across these lending segments.

No information was provided about openings, salary, start date, duration, perks, or application deadline.