Area Manager Credit Bangalore

• Responsible for the full function of Credit Vetting Department
• Manage, train, up-skill, motivate, retain and recruit staff
• Measure department performance with appropriate metrics
• Provide for ongoing training of the Credit Vetting and Fraud staff
• Manage relations with Credit Reporting and Fraud agencies

Establish and Manage the Credit function using the principle of de-
centralized assessment and centralized decision.
 Responsible for ensuring sensible credit norms resulting in a high-quality
of portfolio.
 To assess the viability of credit lending proposals from credit as well as risk
perspective based on institutionalized processes and dynamic market
information at Multiple Branch level situated at different cities of different
states called Zone.
 Assessment of proposal leads to decision of not going ahead with the
proposal or Approval of the cases which fall under the credit delegation
authority of Regional Credit Manager Level or Further recommendation
and presentation of the proposal to respective committee level.
 To ensure efficient Turnaround time (TATs) for validating the proposals
 To co-ordinate with MOG and other support functions for operational
effectiveness
 To monitor and highlight MIS to the section head and local credit as well
as business team for better business understanding
 To work towards skill enhancement and team building
 Appointment, Development, Training and Performance of
the Credit Analyst team of the Unsecured Loans Credit & Risk Team.
 Satisfactory compliance of multiple audits- Concurrent / Internal
/Statutory /Regulator etc