Area Credit Manager - Retail - Mathura

Role Summary

The Area Credit Manager will be responsible for managing risk and credit operations related to retail loan underwriting and portfolio quality. This role ensures adherence to defined credit frameworks and supports business objectives through efficient process execution, risk compliance, and collection oversight.

Key Responsibilities

• Manage risk and credit operations for assigned retail loan transactions adhering strictly to the ABHFL credit framework and approval matrices.
• Evaluate and approve credit proposals while providing mentorship to peers and consulting seniors when necessary.
• Coordinate with legal, technical, and verification vendors to conduct detailed legal and technical assessments in complex situations.
• Monitor bounce rates and ensure they remain within the prescribed thresholds.
• Drive process efficiency by collaborating with Credit Processing and Credit Analysts to ensure thorough analysis and proper logging of files.
• Work effectively with Sales and Operations teams, following structured processes for decision-making and problem-solving; escalate issues to the Regional Credit Manager (RCM) as needed.
• Manage external vendor relationships to uphold report quality and meet turnaround times.
• Control costs and ensure they align with budgetary limits.
• Ensure accurate data entry into the Loan Origination System (LOS) and maintain high-quality documentation standards.
• Oversee collection of post-disbursal documents within designated time frames.
• Maintain compliance with risk management policies, prepare regular MIS reports, and manage escalation documentation.
• Conduct risk operations locally using established Maker-Checker protocols alongside Sales and Operations teams, covering exception approvals, collateral valuations, post-disbursal documentation completion, and cheque bounce collections.
• Minimize critical audit findings and ensure timely resolution of any observations.
• Collaborate with Collections and Operations teams to monitor delinquent portfolios and support efficient recovery efforts, escalating complex cases to RCM to prevent NPAs.
• Engage with key delinquent customers and assist collections teams in resolving outstanding cases.
• Report fraud promptly to the Risk Monitoring Team and Regional/Zonal Risk Heads.
• Partner with Sales and Operations to support business growth through informed case-based credit decisions.
• Pursue continual self-development aimed at enhancing technical skills related to legal and technical documentation, property practices, and clearer role understanding.
• Maintain robust relationships with internal stakeholders to facilitate smooth handling of complex or escalation cases.