Area Credit Manager-Equipment Finance-Credit Appraisal-Bengaluru

You will be responsible for underwriting corporate finance business and managing the portfolio in your assigned area. You will support and collaborate with business teams to oversee the end-to-end credit approval process for the designated region. It will be your duty to underwrite cases, present them to senior levels, and authorize deviations raised and documented by underwriters while ensuring compliance with credit policy. Your role will involve finalizing the review of credit memos prepared by underwriters, providing approval or decline sign-offs on each file after verifying documentation requests. You will also be in charge of approving all disbursement requests based on adherence to agreement value requirements and full documentation completion at the branch level. Monitoring and overseeing PDD management to ensure timely completion of personal discussion documents through customer visits in high-value cases will be crucial. Additionally, you will coordinate with external vendors such as FI, Legal, and Technical valuations for prompt query resolution/report submission to eliminate any delays not related to the process. Collaborating with the recoveries team to generate business insights and leading a team of credit approvers to maintain portfolio quality and manage delinquencies will be part of your responsibilities. Engaging in the development, implementation, review, and monitoring of various credit programs, providing training and coaching to enhance the team's competency, and improving processing efficiency of the HUB will be essential. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and loan sanctioning will be a key aspect of your role. You will need to develop underwriting norms tailored to local market requirements and continuously enhance and execute consumer credit risk strategies. The ideal candidate for this position should have an MBA/PGDBA/PGPM/CA or equivalent qualification.,