Area Manager - Retail Credit

As a Credit Underwriting Manager, your primary responsibilities will include: - Managing the credit underwriting function of the branch to ensure quick turnaround of credit lending proposals in coordination with local credit Managers and sales team. - Conducting personal discussions with customers to assess credit worthiness and overseeing completion of credit/KYC documents through telephonic, field, and collateral visits. - Individually underwriting proposals as per established policies and procedures to meet agreed SLAs and manage city/area business volumes. - Reviewing and assessing loan applications received from the team within defined guidelines, making decisions or recommendations for approval to higher authorities. - Studying, analyzing, and interpreting legal and technical reports to support underwriting decisions. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS for the cluster, and providing regular reports. - Managing Credit Managers & CPA team, including recruitment of CPAs and overseeing day-to-day activities of CMs & CPAs. - Effectively managing and upskilling Credit Managers/CPAs while allocating workload efficiently. - Following up and ensuring recovery of quick mortality cases between 12 - 18 MOV. - Ensuring audit compliance on all aspects stipulated by corporate office and regulatory bodies. - Vendor Management including Vendor Empanelment as per business requirements and periodic vendor reviews. Additionally, the company may require various MIS reports as per the needs of the Corporate office. Desired Qualifications: - Minimum 6 to 8 years of experience in the field. - Graduation: Yes - Masters/Postgraduate: Yes - Certifications: CA,