Area Credit Manager-CEQ-Credit Appraisal-Bengaluru - Prestige Corniche-MM

You will be responsible for underwriting corporate finance business and managing the portfolio in your assigned area. Your main duties will include supporting and collaborating with business teams to oversee the end-to-end credit approval process for the designated region. You will underwrite cases, present them to senior management, and authorize any deviations raised by underwriters in compliance with credit policy. Additionally, you will be required to finalize the review of credit memos prepared by underwriters, approve or decline sign-offs on each file after verifying documentation requests, and approve all disbursement requests based on adherence to agreement value requirements and full documentation attainment at the branch level. You will also monitor and supervise Personal Discussion Document (PDD) management, ensuring timely completion through customer visits for high-value cases. Your role will involve coordinating with external vendors such as Financial Institutions (FI), Legal, and Technical valuations to resolve queries and ensure timely report submissions, eliminating any undue delays. You will also work closely with the recoveries team to gain valuable business insights and lead a team of credit approvers to maintain portfolio quality and minimize delinquencies. Furthermore, you will engage in developing, implementing, reviewing, and monitoring various credit programs, providing training and coaching to enhance the team's competency, and improving processing efficiency. It will be your responsibility to ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. You will also need to adapt underwriting norms to local market requirements and continuously enhance and execute consumer credit risk strategies. The ideal candidate for this position should possess an MBA/PGDBA/PGPM/CA or equivalent qualification.,