Area Credit Manager - Unsecured Self Employed - Ludhiana

Fresher

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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Last Updated: 24-09-2026 10:32:44 AM