Area Credit Manager-Prime-Noida

Role overviewThis role is responsible for leading the regional credit underwriting workflow for lending proposals, ensuring fast and well-controlled decisions while maintaining strong compliance with legal, documentation, and policy requirements. The position also requires ongoing monitoring of existing exposures, coordination with sales and credit teams, and leadership of a geographically distributed team supporting multiple business lines.Purpose of the roleThe objective of this position is to assess and manage credit proposals for the region, support quick lending decisions, identify and communicate risk factors, and ensure that exposures remain suitable through the full credit lifecycle. It also involves approving cases within delegated authority and escalating others to the relevant committees or senior approvers.Key responsibilitiesLead the review and underwriting of credit proposals received from the region.Work closely with local credit analysts and sales teams to keep proposal turnaround time efficient.Identify credit, customer, and documentation risks, and recommend suitable mitigation actions.Ensure proposals comply with legal, documentation, and internal policy requirements.Monitor existing credit exposures to confirm they continue to remain bankable.Check that all proposal documents are complete and that client creditworthiness is tracked from pre-sanction to post-disbursement stages.Approve proposals within delegated authority and route other cases to NRM, Credit Committee, or higher approval levels as required.Guide, supervise, and motivate a multi-location team supporting different business segments.Ensure smooth flow of BIL and PIL proposals across branches in the region.Perform detailed due diligence so that all relevant decision inputs are captured in the credit proposal.Maintain the prescribed turnaround time for credit appraisal and coordinate with sales teams to speed up sanction decisions.Review sanction conditions, covenants, and overdue accounts, and support recovery actions where needed.Prepare and review MIS, trend charts, and portfolio-level analysis to support regional decision-making.Handle customer escalations and complaints in selected cases during and after disbursement.Drive continuous improvement in the credit approval process and introduce controls that balance risk and customer experience.Coach and develop credit analysts to ensure adherence to process, turnaround time, and credit quality standards.Support training for local credit, sales, legal, and technical teams on products, processes, and related requirements.RequirementsChartered Accountant or MBA qualification.Minimum 4 to 7 years of experience in credit and risk functions within banks or NBFCs.Strong analytical ability and sound judgment for credit evaluation.Careful attention to detail, especially in documentation and risk assessment.Ability to make decisions independently within authority limits.Good market awareness and understanding of industry and sector trends.Team leadership and people management capability.Comfort with cross-functional coordination and stakeholder management.Exposure to credit appraisal, underwriting, and monitoring of loan portfolios.Familiarity with credit policies, SOPs, legal checks, and documentation standards.Job context and challengesThe business operates in a highly competitive and price-sensitive lending environment, where it competes with banks and financial institutions across secured and unsecured lending segments. The role must manage business lending and personal lending proposals across multiple branches while ensuring high-quality decisioning, controlled risk, and consistent turnaround times.Key challenges include obtaining accurate and complete information for every proposal, handling complex customer and product structures, coordinating approvals across functions, keeping sticky accounts and pending documents under control, and staying updated on market, industry, and economic developments.DimensionsThe original role description references the following operating dimensions and performance factors: management manpower, staff, worker and contract counts, loan approval limit, process/SOP adherence, and NPA percentage. Specific numerical values were not provided.Key result areasManage credit underwriting by assessing customer creditworthiness, business strength, financial statements, tax returns, cash flows, repayment history, bank balances, and internal credit norms.Carry out direct investigation and personal interaction with customers to gather relevant credit inputs.Approve or recommend proposals at local, regional, zonal, national, or committee level depending on approval authority.Submit Credit Appraisal Memos on time, clearly highlighting key borrower risks for prudent decisions.Prevent revenue leakage by issuing accurate sanction letters and recording deviations correctly.Ensure full documentation is executed and transferred to operations for disbursement.Conduct external research and market feedback checks to support proposal evaluation.Maintain robust documentation and proposal tracking for TAT monitoring.Prepare MIS and trend reports covering portfolio movement, variances, defaults, and risk indicators.Ensure end-to-end process compliance, sanction condition monitoring, overdue tracking, recovery support, and escalation handling.Lead and develop the regional credit team to sustain strong service levels and credit quality.Additional informationThe role is part of the lending arm of Aditya Birla Financial Services Group and supports specialized lending and financing across capital markets, corporate/trade finance, commercial real estate, mortgages, and unsecured business lending. The unsecured business includes short- and medium-tenure working capital solutions for small businesses and individuals without collateral. The risk function evaluates both business and personal loan applications using quantitative and qualitative factors such as credibility, business size, earnings, capital adequacy, liquidity, and management quality.This position requires ongoing coordination with regional stakeholders and a strong focus on process discipline, portfolio quality, and timely decision-making.