Area Credit Manager - Retail MFB - RIL - Credit - Thiruvadanai - VIJ Complex - JM

The Area Credit Manager will drive Rural Individual Loan business underwriting, create a quality portfolio, and control delinquencies through portfolio review. The role involves managing a team, conducting customer discussions, and underwriting individual loans.

Requirements

• Managing a team of Branch credit managers, Credit Executives
• Conduct personal discussion with customers to establish Credit worthiness
• Pre and post sanction credit risk compliance
• Controlling delinquencies through portfolio review
• Controlling portfolio performance
• Underwriting Individual loan and preparing Credit Appraisal Memo (CAM)
• Coordinating with sales to achieve targets and ensure TAT
• Supporting and training the team of Credit Manager/officers
• Responsible for manpower
• Knowledge understanding of local market
• Working closely with regional Credit Manager
• Coordinating with internal teams like ICQ, Operational and sales