Area Credit Manager

Role overview

This position is responsible for leading the credit underwriting process for a defined region and ensuring that credit proposals are reviewed efficiently and accurately. The role works closely with local credit analysts and sales teams to speed up lending decisions while maintaining strong risk controls and compliance standards.

Key responsibilities

• Lead the underwriting review of credit proposals received from the region.
• Coordinate with local credit analysts and sales teams to help deliver faster turnaround on lending decisions.
• Identify credit and documentation risks, take appropriate mitigation steps when needed, and ensure all legal, policy, and documentation requirements are met.
• Surface key risk factors and recommended mitigation measures to support approval decisions by the relevant authorities.
• Continuously monitor existing credit exposures to confirm they remain financially sound and bankable.
• Check that proposal documents are complete and accurate, and oversee client creditworthiness from the pre-sanction stage through post-disbursement monitoring.
• Approve proposals within delegated authority and escalate suitable cases to the NRM / Credit Committee for a final decision.
• Support, coach, and manage a team operating across multiple locations and serving different business segments.

Additional information

Although no separate perks, eligibility criteria, openings, salary, or experience range were provided, this role is stated as a full-time onsite position based in Karnataka, India.