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Area Credit Manager - Bhadrak

Aditya Birla Group — Bhadrak, BHADRAK

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Experience 4-12 Years yrs
Age 21-35 yrs
Gender Both
Salary Not Disclosed LPA
Department Sales Loans
Product Loans

Job Description

Credit Assessment & Underwriting

  • Review Retail Secured loan applications and assess borrower creditworthiness.
  • Conduct detailed analysis of customer profiles, income, repayment capacity, banking behavior, and collateral security.
  • Evaluate property and other security-related documents to ensure compliance with internal policies and regulatory requirements.
  • Identify, assess, and mitigate potential credit risks before recommending proposals.

Due Diligence & Verification

  • Ensure all credit proposals undergo the required due diligence checks.
  • Validate customer information, financial documents, bureau reports, and collateral details.
  • Monitor adherence to underwriting standards and risk parameters.

Stakeholder Management

  • Coordinate with Sales and Business teams to resolve credit observations and risk concerns.
  • Provide guidance to sales teams on policy requirements and documentation gaps.
  • Maintain effective communication with internal stakeholders to ensure smooth processing of cases.

Approval & Recommendation

  • Prepare independent credit notes and recommendations based on risk evaluation.
  • Recommend proposals to State Credit Manager, Zonal Credit Manager, or National Credit Manager as per delegation matrix.
  • Ensure all recommendations are supported by sound credit rationale and documented analysis.

Portfolio & Risk Monitoring

  • Monitor portfolio quality and identify emerging risk trends within the assigned area.
  • Highlight deviations, exceptions, and high-risk exposures to senior credit authorities.
  • Support implementation of risk management initiatives and policy changes.

Process & Compliance

  • Ensure credit decisions comply with company policies, regulatory guidelines, and audit requirements.
  • Maintain stipulated turnaround times (TAT) for credit decisions.
  • Support internal and external audits by providing required documentation and justifications.


Frequently Asked Questions

What are the eligibility criteria for the Area Credit Manager - Bhadrak job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 4-12 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Area Credit Manager - Bhadrak at Aditya Birla Group?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Credit Manager - Bhadrak at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 4-12 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

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.

How do I apply for the Area Credit Manager - Bhadrak role at Aditya Birla Group?

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.