Area Credit Manager - Retail - Noida

TITLE: Area Credit Manager - Retail - Noida

DESCRIPTION:

Role overview This position sits within the risk and compliance setup of Aditya Birla Finance Limited, the lending arm of Aditya Birla Financial Services Group. The role focuses on supervising retail credit underwriting at the regional level, ensuring that loan decisions are backed by sound analysis, policy adherence, and timely processing.

The business operates across capital markets, corporate/trade finance, commercial real estate, and retail lending segments. It has a strong national presence, a sizeable balance sheet, and a growth-oriented agenda centered on sustainable profitability, better risk control, and expansion into new markets and products.

Business and risk context The credit and risk function evaluates loan applications across multiple lending lines by assessing both financial and non-financial aspects such as ownership structure, market standing, collateral quality, profitability, liquidity, management quality, and compliance with statutory norms.

The team also tracks portfolio exposure and client-wise exposure to detect early warning signs, reduce non-performing assets, and support overdue recovery efforts in coordination with business teams. Because the risk function does not operate at branch level, close collaboration across functions is essential.

Key responsibilities The Area Credit Manager will be responsible for evaluating credit proposals, guiding a team of credit analysts, and supporting timely, well-documented lending decisions at the regional level.

• Review loan applications in detail and verify the borrower’s business strength, repayment behaviour, financial statements, tax filings, cash flows, average bank balance, and overall creditworthiness.
• Conduct direct customer interactions and independent checks to gather complete credit information.
• Approve or recommend credit proposals at the local or regional level, and escalate selected cases to zonal, national, or credit committee authorities when required.
• Prepare and submit credit appraisal memos on time, clearly highlighting key risks so that prudent lending decisions can be made.
• Ensure proper sanction letters are issued and that deviations are captured correctly to avoid revenue leakage.
• Coordinate the execution of documents with relationship managers and transfer complete files to operations for disbursement.
• Carry out external research and gather market feedback to support proposal evaluation.
• Maintain complete documentation and monitor proposal movement and turnaround times effectively.
• Prepare MIS reports, trend charts, portfolio variance analysis, and default tracking for loans across their credit lifecycle.
• Present regional-level risk and portfolio updates to zonal and corporate stakeholders.
• Ensure credit processes are followed end to end according to SOPs at the local assessment level.
• Track sanction conditions and covenants, and monitor loans through their post-approval lifecycle.
• Make sure the required data is entered into internal systems for accurate MIS and business reporting.
• Monitor overdue accounts in the region and support recovery actions with the team.
• Address customer escalations and complaints during and after disbursement where needed.
• Drive improvements in credit approval processes to meet changing business requirements while controlling risk.
• Manage, coach, and develop a team of credit analysts so that TAT, process discipline, and credit quality standards are maintained.
• Run training sessions for local credit teams and sales teams on products, processes, legal matters, and technical aspects.

Requirements Qualified Chartered Accountant or MBA.

At least 4 years of experience in credit and risk functions within banks or NBFCs.

Strong understanding of retail lending, underwriting, documentation, and risk controls.

Ability to work with legal, technical, verification, operations, and business teams.

Comfort with high-volume transactions as well as structured high-value deals.

Capability to manage teams, coordinate across functions, and handle stakeholder communication.

Strong interpersonal skills and the ability to resolve issues with internal and external parties.

Awareness of market, sectoral, and economic changes that may affect lending decisions.

Additional information The role comes with several operational challenges, including incomplete data for detailed credit appraisal, pressure to deliver faster turnaround times in a competitive market, coordination with external agencies to reduce credit, customer, and property risk, and active monitoring of sticky accounts and pending documentation.

The job also requires seamless coordination across internal and external entities, strong people management, and the ability to keep up with economic and sectoral developments.

Company background Aditya Birla Finance Limited is part of the Aditya Birla Financial Services Group and is positioned as a significant player in India’s NBFC landscape. It serves retail HNI and corporate customers through a diversified product mix and has invested heavily in process and systems capability to support future expansion.

The organization is also focused on widening its geographic reach and product coverage so that customers can access a more integrated financing experience.

Terms and conditions The source content does not specify salary, notice period, start date, application deadline, or number of openings.