Area Credit Manager-CEQ-Credit Appraisal-Hyderabad - Auto Plaza-M4-M6

You will be responsible for underwriting corporate finance business and managing the portfolio in your assigned area. Your main duties will include supporting and co-partnering with business teams to handle end-to-end credit approval for the designated region. You will underwrite cases and present them to senior management for review. You will also be required to authorize deviations raised and documented by underwriters in compliance with credit policy. Additionally, you will finalize the review of credit memos prepared by underwriters and provide approval or decline sign-offs on every file after checking for documentation requests. It will be your responsibility to approve all disbursement requests based on adherence to requirements on agreement value and full documentation attainment at the branch level. You will also monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Furthermore, you will need to coordinate with external vendors such as FI, Legal, and Technical valuations to ensure timely query resolution and report submission, eliminating any undue delays. You will lead a team of credit approvers to maintain portfolio quality and manage delinquencies effectively. Engaging in the development, implementation, review, and monitoring of various credit programs will also be part of your role, along with providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency. Your responsibilities will also include ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. You will be expected to evolve underwriting norms customized to the local market needs and ensure the continuous enhancement and execution of consumer credit risk strategy. The ideal candidate for this role should hold an MBA/PGDBA/PGPM/CA or equivalent degree.,