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Location: Hyderabad
Experience: 5+ Years
Department: SME Retail Business
The Area Head - Credit will be responsible for managing the end-to-end credit underwriting and portfolio quality for the SME Retail business within the assigned geography. The role involves ensuring prudent credit decisions, maintaining portfolio health, driving process compliance, and supporting business growth while adhering to the organization's risk framework.
Lead and manage SME Retail credit underwriting activities across the assigned region, ensuring timely and quality credit decisions.
Evaluate credit proposals, financial statements, banking behavior, cash flows, and collateral security to assess borrower creditworthiness.
Monitor portfolio quality, delinquency trends, and early warning signals, and initiate corrective actions to minimize credit losses.
Partner with Business, Risk, Operations, and Collection teams to achieve business growth while maintaining defined risk parameters.
Build, mentor, and manage a team of Credit Managers, ensuring productivity, governance, compliance, and continuous capability development.
Graduate/Postgraduate in Finance, Commerce, Management, or related discipline.
Minimum 5+ years of experience in SME/LAP/MSME/Retail Credit underwriting and portfolio management.
Strong understanding of financial statement analysis, credit appraisal, risk assessment, banking products, and regulatory guidelines.
Experience in team handling and managing multiple branches/locations.
Excellent stakeholder management, analytical, decision-making, and communication skills.
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-10 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a ACH- Credit - SME Retail - Hyderabad at Aditya Birla Group.
This role requires around 5-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.