Area Credit Manager - Retail Secured Credit

Area Credit Manager - Credit Retail Secured - Delhi | Aditya Birla Capital Limited | Financial Services Key Result Areas Supporting Actions Credit Underwriting Management Ensure timely and policy-compliant credit decisions across assigned branches. Support branch teams in evaluating proposals and managing turnaround time. Address audit and compliance observations and coordinate with collections for recovery actions Process Improvements Identify and implement local process enhancements to improve efficiency and reduce manual work. Support adoption of digital tools and workflows at the branch level. Portfolio Management Monitor bounce rates and early delinquencies using MIS dashboards. Implement corrective actions for high-risk accounts and support portfolio quality improvement Business Growth Collaborate with sales and channel partners to support disbursement targets. Ensure smooth credit operations through regular engagement with stakeholders Team Development Train and mentor branch credit officers to strengthen underwriting and compliance. Promote consistent execution of credit policies and support talent development.