Credit Operations Manager

Open Location:

Kurnool

Karimnagar

JD of Credit Operations Manager

· Evaluate and underwrite SENP / SEP loan applications by analyzing financials, business profiles, and conducting personal discussions (PDs).

· Ensure credit appraisal is in line with company policy, KYC norms, financial assessments, and credit bureau checks.

· Maintain processing Turnaround Time (TAT) for all loan files and ensure timely approvals.

· Monitor credit quality and track economic indicators impacting portfolio performance.

· Ensure end-to-end compliance with login, sanction, and disbursement checklists and conditions.

· Coordinate with Sales and Credit teams to facilitate smooth file movement and reduce process gaps.

CERSAI

· Manage secure storage of physical loan documents at the branch and dispatch to vaults within defined timelines.

· Support Location Operations Head during internal, concurrent, statutory, and NHB audits with required data and process adherence.

· Ensure branch infrastructure and administrative processes comply with NHB and internal operational guidelines.

· Conduct regular training and updates for sales teams on new credit policies, circulars, and audit observations.

· Prepare and maintain accurate credit and operations MIS for branch performance tracking and reporting.

· Implement operational improvements and risk mitigation strategies across credit and loan processing functions.