Area Credit Manager - Retail

Role overview

This position is responsible for managing retail credit risk operations for the Moradabad area, with a strong focus on underwriting quality, portfolio health, process discipline, and coordination across sales, operations, and support functions. The role demands balanced decision-making that supports business growth while keeping risk within approved norms.

Key accountabilities

Underwriting and portfolio quality management: Assess and clear credit proposals within the approved decision framework for the relevant business lines. Where needed, consult seniors for complex cases and support peers on difficult files. Coordinate with legal, technical, and other verification partners for due diligence checks and clarifications. Track bounce rates and ensure they remain within acceptable thresholds.

Process efficiency: Carry out risk-related work in a way that supports business performance without compromising controls. Partner closely with Credit Processing Analysts and Credit Analysts so that files are logged correctly and examined thoroughly. Work in a structured manner with Sales and Operations teams to help with decision-making and problem-solving, and escalate to the RCM when required. Manage external vendors to maintain report quality and turnaround time, keep costs within budget, ensure accurate entry in the LOS, maintain documentation standards, and collect post-disbursement documents within the assigned timeline.

Risk compliance and control: Follow established risk policies and operating norms. Prepare regular and need-based MIS, reports, and escalation documentation. Handle local risk operations through a maker-checker approach with Sales and Operations, covering exception approvals, collateral valuation, PDD completion, cheque bounce collections, and similar activities. Keep audit observations to a minimum and close all findings within defined timelines.

Collection efficiency: Coordinate with Collections and Operations teams to monitor delinquent accounts and support effective recovery actions. Escalate complex or sensitive cases to the RCM to help avoid delinquency and NPA formation. Track delinquent portfolios, connect with key overdue customers when needed, support closure of cases, and report suspected fraud cases to the Risk Monitoring team and the Regional/Zonal Risk Head.

Business growth and sustainability: Work jointly with Sales and Operations on case-level decisions that support business growth while preserving portfolio quality and long-term sustainability.

Self-development and stakeholder coordination: Build capability in credit evaluation and underwriting through stronger understanding of legal and technical documents, property-related business practices, and role requirements. Maintain strong working relationships with internal stakeholders to ensure smooth handling of complex, exception, and escalation cases.

Additional information

The source mentions accountabilities and supporting actions with character limits, which have been consolidated here into a single job description. No salary, vacancy count, experience range, education requirement, or application deadline was specified.