Area Credit Manager - Unsecured Self Employed - Ludhiana

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.