Area Credit Manager

2 months ago


Bengaluru, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

Basic Details

Business: Financial Services
Location: Bangalore
Position Title: Area Credit Manager – SME
Reports To: Zonal Credit Manager – SME
Function: Credit Risk and Compliance
Department: Credit Risk and Compliance

Job Purpose

The primary purpose of this role is to critically review credit proposals to identify and evaluate risks related to industry business financials management and facility structure. This role focuses on highlighting collateral and other risk mitigation strategies to aid the approving authority in decisionmaking. The role is crucial for ensuring quick turnaround on credit lending proposals for the SME/SEG business including Term Loans Working Capital Finance Lease Rent Discounting and Construction Finance. Additionally the role involves ongoing credit exposure review to ensure continued bankability effective client and collateral monitoring and adherence to legal and documentation standards.

Key Responsibilities

Credit Analysis: Assess and conduct detailed credit analysis of lending proposals. Scrutinize proposals by analyzing client creditworthiness business strength market credibility financial statements and adherence to internal credit norms.

Proposal Preparation: Prepare Credit Appraisal Memos interact with legal and technical agencies to mitigate property risks and ensure the submission of welldocumented proposals to the Regional Credit Manager.

Portfolio Monitoring: Monitor portfolio performance track overdue accounts review ratings changes and ensure compliance with sanction conditions. Maintain strong local industry networks for independent references.

Compliance: Ensure compliance with credit policies contribute to the revision of credit norms and support the development of new credit policies.

Documentation: Maintain a robust documentation process for effective tracking and TAT monitoring.

MIS Reporting: Prepare MIS and trend charts on portfolio progress and send regular updates to team leaders and stakeholders.

Process Management: Ensure adherence to SOPs manage the distributor network improve the credit approval process and provide training to the local credit process team.

Vendor Management: Recommend and manage vendors ensure timely delivery from valuation legal and field investigation agencies and provide regular training and performance reviews.

Key Result Areas

Proposal Assessment: Conduct thorough credit evaluations and prepare detailed credit appraisals.

Portfolio Quality: Monitor existing portfolios and ensure proactive management of stressed accounts.

Compliance: Ensure all proposals comply with credit policies and maintain rigorous documentation standards.

Process Efficiency: Improve credit approval processes and manage endtoend credit operations effectively.

Vendor Management: Manage and monitor vendor performance to ensure timely and accurate service delivery.

Job Context & Challenges

The role requires the ability to navigate the complex credit environment for SME lending which involves high competition and a diverse range of financial products. The key challenge is to maintain a balance between quick turnaround times and thorough risk evaluation to ensure sustainable growth while minimizing nonperforming assets (NPAs).

Relationships

Internal Contacts:

Head of Credit Risk & Compliance

Zonal/Regional Credit Manager

Business Analyst

Sales Team

Operations Department

Other support functions

External Contacts:

Clients (for daily proposal discussions and market insights)

Auditors Lawyers Valuers FI & Fraud Containment Agencies (as needed for due diligence and market pulse)

Organizational Relationships

Reports to: Zonal Credit Manager – SME
Direct Reports: None

SignOff
Job Holder:
Reports to – Manager:
Name:
Date of Entry/Approval:

Skills

Proactive, Credit Approval, Process Management, Financial Statements, Visio, Insight, Compliance, Documentation


  • Area Credit Manager

    3 days ago


    Bengaluru, Karnataka, India Ekani Management Services Pvt Ltd Full time

    Position OverviewWe are seeking a highly skilled Area Credit Manager to join our team at Ekani Management Services Pvt Ltd.As an Area Credit Manager, you will be responsible for evaluating clients creditworthiness, creating credit scoring models, and approving or rejecting loan requests.Key responsibilities include:Evaluating clients credit history and...

  • Senior Credit Manager

    2 weeks ago


    Bengaluru, Karnataka, India Credit Saison Finance Pvt Ltd Full time

    Credit Saison Finance Pvt Ltd is seeking a highly skilled Senior Credit Manager to lead our credit practice and drive business growth. The ideal candidate will have a strong background in credit analysis, risk management, and team leadership.Key Responsibilities:Develop and implement credit policies and procedures to ensure compliance with regulatory...

  • Area Credit Manager

    3 weeks ago


    Bengaluru, Karnataka, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

    Job Title: Area Credit ManagerAt ARDOR TALENT SOLUTIONS PRIVATE LIMITED, we are seeking a highly skilled Area Credit Manager to join our team. As a key member of our credit risk and compliance department, you will play a critical role in ensuring the effective management of our SME lending portfolio.Key Responsibilities:Conduct thorough credit evaluations...

  • Area Credit Manager

    3 weeks ago


    Bengaluru, Karnataka, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

    Job Title: Area Credit ManagerJob Summary:The Area Credit Manager will be responsible for critically reviewing credit proposals to identify and evaluate risks related to industry business financials management and facility structure. This role focuses on highlighting collateral and other risk mitigation strategies to aid the approving authority in...


  • Bengaluru, Karnataka, India IDFC FIRST Bank Full time

    Job Title: Area Credit Portfolio ManagerFunction/ Department: CollectionsJob Purpose:The Area Credit Portfolio Manager is responsible for managing a team and coordinating operational recovery activities for an area credit portfolio in their assigned territory. This includes administering corporate policies and procedures to minimize front delinquencies,...


  • Bengaluru, India Ekani Management Services Pvt Ltd Full time

    AREA CREDIT MANAGERMinimum 6 to 8 yrs of experience in credit Salary 5 LPA to 7 LPA Number of position : 4kannada, telugu, tamil, marathipreferred :- Immediate JoinerLocation :- Bangalore CLUSTER CREDIT MANAGERMinimum :- 4 TO 6 yrs of experience in creditSalary :- 4 LPA to 5.5 LPANumber of position : 4kannada, telugu, tamil, marathipreferred :- Immediate...

  • Area Credit Manager

    2 weeks ago


    Bengaluru, Karnataka, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

    Job SummaryThe Area Credit Manager - SME role is a critical position within our organization, responsible for reviewing credit proposals to identify and evaluate risks related to industry business financials management and facility structure. This role focuses on highlighting collateral and other risk mitigation strategies to aid the approving authority in...

  • Area Credit Manager

    2 weeks ago


    Bengaluru, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

    Basic DetailsBusiness : Financial ServicesLocation : BangalorePosition Title : Area Credit Manager – SMEReports To : Zonal Credit Manager – SMEFunction : Credit Risk and ComplianceDepartment : Credit Risk and ComplianceJob PurposeThe primary purpose of this role is to critically review credit proposals to identify and evaluate risks related to industry...

  • Area Credit Manager

    3 months ago


    Bengaluru, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

    BasicDetailsBusiness: FinancialServices Location:Bangalore Position Title:Area Credit Manager – SMEReports To: Zonal Credit Manager– SME Function:Credit Risk and ComplianceDepartment: Credit Risk andCompliance JobPurpose The primary purpose ofthis role is to critically review credit proposals to identify andevaluate risks related to industry business...


  • Bengaluru, Karnataka, India Credit Saison Finance Pvt Ltd Full time

    Credit Practice OverviewAt Credit Saison Finance Pvt Ltd, we're seeking a seasoned Credit Practice Lead to drive our credit strategy for the BL segment, aligning with our risk philosophy.Key Responsibilities:Lead a team of credit managers to ensure rigorous due diligence in credit analysis, deviations management, and underwriting.Develop and implement a...

  • Senior Credit Manager

    2 weeks ago


    Bengaluru, Karnataka, India Credit Saison Finance Pvt Ltd Full time

    As a Senior Credit Manager at Credit Saison Finance Pvt Ltd, you will play a key role in driving the credit practice for our Business Loan (BL) segment, aligning with the company's defined risk philosophy. You will lead a team of credit managers to ensure due diligence in credit analysis, deviations management, evaluation, underwriting, and sanctioning of...

  • Area Credit Manager

    2 weeks ago


    Bengaluru, Karnataka, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

    Job Title: Area Credit Manager - SME Lending ExpertAt ARDOR TALENT SOLUTIONS PRIVATE LIMITED, we are seeking a highly skilled Area Credit Manager - SME Lending Expert to join our team. The successful candidate will be responsible for critically reviewing credit proposals to identify and evaluate risks related to industry business financials management and...


  • Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...


  • Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...


  • Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...


  • Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...


  • Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...


  • Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, Economics, or a...

  • Cluster Credit Manager

    2 months ago


    Bengaluru, India Credit Saison Finance Pvt Ltd Full time

    1.Driving the credit practice for our BL segment within the defined risk philosophy of the company 2.Leading the team of credit managers to ensure due diligence in credit analysis, deviations management, evaluation, underwriting and sanctioning of loans. Set-up standard approach of credit through hind sighting practice 3.Set-up and lead the team of credit...


  • Bengaluru, Karnataka, India Leading Credit Rating Firm Full time

    About Company: A Leading Credit Rating FirmLocation: GlobalExperience: 1-5 yearsRole & responsibilities:Evaluate business models, financial statements and perform rigorous analytical work, research, fundamental credit analysis, analysis of financial statements, building of financial models and forecasts and writing of analytical reports on rated corporate...