Area Credit Manager

16 hours ago

Mumbai, Maharashtra, India Acura Solution Full time ₹ 50,00,000 - ₹ 1,50,00,000 per year


Job Description:

Support and co-partner with business teams to manage end to end credit approval for the designated region

Underwrite cases and present to senior level.

In detail Analysis of financial statements, Bank statements, on-going works & assessing the borrowers serviceability of Term loans/working capital limits as the case may be,

Meeting NTB & Existing customers to understand the market dynamics,

Monitoring the deferrals, PDD, Early Delinquency accounts, Asset verifications,

Completion of Annual review of accounts as per time lines,

Authorize deviations raised and documented by underwriters in compliance with credit policy.

Approve all disbursement requests on the basis of achieved adherence to requirements on agreement value, full documentation attainment at the branch level.

Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases.

Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.

Co-ordinate with the recoveries team and generate business insights.

To ensure portfolio quality and delinquencies.

Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB

Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.

Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.



Specialized job competencies:

Strong credit risk assessment & underwriting skills for SME/Asset Finance verticals, financial analysis, industry analysis, financial modelling, analytical skills, excellent written and verbal communication skills

IT Skills (MS Word, MS Power Point, MS Excel and Tableau)

Analytical skills with an ability to identify the hotspots in the portfolio.

Upstanding of RBI regulations and compliance requirement on NBFCs especially for Asset Finance business.



Educational Qualification: MBA/PGDBA/PGPM/ CA or Equivalent



Desired Experience: Minimum work experience of 5-8 years in Risk/Credit vertical in Bank or NBFC in SME segment (Handling large value cases above Rs.5 Cr)


  • Area Credit Manager

    2 weeks ago

    Mumbai, Maharashtra, India Kotak Mahindra Bank Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    Area Credit Manager-RELATIONSHIP BANKING GROUP-Credit Please find below JD for IJP. Key Responsibilities Credit Evaluation: Assess the creditworthiness of potential and existing clients by reviewing financial statements and other relevant documents. Policy Development: Develop and implement credit policies and procedures to mitigate credit risk...

  • Area Credit Manager

    1 day ago

    Mumbai, Maharashtra, India Acura Solution Full time ₹ 80,00,000 - ₹ 1,20,00,000 per year

    Job Description:1. Implement and administer Credit Policies for Supply chain finance2. Monitor systems and process for smooth implementation credit policies in the region.3. Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement.4. Maintaining Turnaround Time for evaluation & processing of deals Internal...

  • Area Credit Manager

    15 hours ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    DescriptionDue diligence of corporate, group and promotersAnalysis of financialsUnderstanding Proposal related Industry and Market dynamics and application of the same in Credit assessments and stipulation of Risk mitigates.Site visits and Personal discussions with Promoters/ CFOPreparation of credit notes along with stipulation of deal specific...

  • Area Credit Manager

    1 week ago

    Mumbai, Maharashtra, India Careerfit Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    Note: Kindly apply only if you have the following:Team leading experiencePhysical PD (Personal Discussion) experienceMandatory exposure in Home Loan, Affordable Housing, LAP, MortgageExperience in handling ticket size upto or less then 1CrBased in Mumbai and available for face-to-face interviewComfortable with 5-day working (Alternate Saturdays working)About...

  • Area Credit Manager

    19 hours ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    DescriptionCandidate is required to have product understanding for Term loans, Working capital and structural products.Role is sector agnostic and following skills are requiredDue diligence of corporate, group and promotersAnalysis of financialsUnderstanding Proposal related Industry and Market dynamics and application of the same in Credit assessments and...

  • Credit Manager

    1 week ago

    Mumbai, Maharashtra, India Kotak Mahindra Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Credit Manager-DEALER FINANCE OPERATIONS-Credit Role - Credit Manager - Auto loans Location - Delhi. Minimum experience of 3 years under Retai credit underwriting. Minimum qualification MBA Finance or CA. Job RoleTo evaluate the credit worthiness of various customers applying for car loans, within the prescribed TAT and deciding on the right risk mix...

  • Credit Manager

    3 days ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    To underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area...

  • Credit Manager

    20 hours ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    DescriptionTo underwrite and manage the portfolio in assigned branch/locationResponsibilities:Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage...

  • Credit Manager

    2 weeks ago

    Mumbai, Maharashtra, India Kotak Mahindra Bank Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Senior Credit Manager-Housing Finance-Credit Role Credit Appraisal · Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities · Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training · Use performance...

  • UPI Credit Partnerships Lead

    6 days ago

    Mumbai, Maharashtra, India LIGHT - Credit For UPI Full time ₹ 1,20,000 - ₹ 1,80,000 per year

    About LightWe're building the future of credit on UPI — making every payment smarter, faster, and frictionless. We're a startup where every day is crazier than the last, and that's exactly how we like itThis role is for the geek who loves speed, hates red tape, and thrives in chaos. In return — apart from salary — you'll get enormous growth, ridiculous...