Credit Manager-SME & Business Banking

Role Overview: As a Credit Manager at our Retail Banking-Credit unit, your primary responsibility will be to manage a team and collaborate with the sales team to achieve the assigned area targets. You will directly interact with consumers to assess their creditworthiness, ensure verification completion, and adhere to the company's credit policy guidelines. Your execution of tasks should be both sales supportive and risk averse, aligning with the broader organizational goals of the bank. Key Responsibilities: - Underwrite secured and unsecured loan proposals based on established policies and procedures to meet SLAs and manage area business volumes effectively. - Supervise a team of credit underwriters, providing necessary guidance and support. - Conduct personal discussions with customers to evaluate their creditworthiness accurately. - Proactively manage front-end delinquencies by initiating customer contact upon initial presentation. - Ensure timely completion of credit/KYC documents and verification processes through telephonic, field, and collateral visits. - Collaborate with the sales team to achieve targets and uphold SLA commitments. - Maintain strict adherence to the company's credit policy standards. Qualifications Required: - Graduation in any field. - 1 to 4 years of experience in credit management. (Note: No additional details about the company were provided in the job description.),