Credit Manager - Business Loans - Credit

As a Credit Underwriter, your main responsibility will be to evaluate credit proposals while strictly following credit policies, risk framework, and regulatory guidelines. You will play a crucial role in managing portfolio risk by monitoring delinquency, overseeing existing portfolio customers, and recognizing early warning signs for potential NPAs. In addition to underwriting tasks, you will also be expected to lead a team and collaborate with stakeholders across various departments such as sales, operations, legal, and technical. Your role will involve aligning the team with organizational goals, fostering teamwork, and providing training to ensure a cohesive working environment. Ensuring compliance and audit readiness will be another key aspect of your job. You will be responsible for upholding internal credit policies, adhering to regulatory norms, ensuring internal audit compliance, and enhancing the efficiency of credit assessment processes. Furthermore, staying informed about market trends, competitor strategies, and market risks will be essential. Your ability to conduct thorough market and competitor analysis will enable you to identify new opportunities for the overall growth of the location and make informed decisions to drive business success.,