01Overview
Job Summary
We are seeking an experienced and result-oriented Area Credit Operations Manager to manage credit underwriting and operations for the Small & Medium Enterprise (SME) Loan portfolio. The role involves evaluating credit proposals, assessing borrower risk, ensuring compliance with credit policies, and driving quality business growth while maintaining a healthy portfolio.
The ideal candidate should possess strong expertise in SME credit appraisal, financial analysis, risk assessment, and portfolio monitoring within Banking or NBFC environments.
Key Responsibilities
Assess and underwrite SME loan proposals in line with company credit policies and risk frameworks.
Analyze financial statements, banking behavior, cash flows, GST returns, and other business-related documents.
Conduct detailed credit risk assessment and recommend suitable lending structures.
Ensure timely processing and turnaround of credit proposals while maintaining portfolio quality.
Coordinate with Sales, Risk, Operations, Legal, and Audit teams for seamless loan processing.
Monitor portfolio performance and identify early warning signals for potential stress accounts.
Review credit deviations and ensure adherence to internal policies and regulatory requirements.
Support branch and sales teams on credit-related queries and policy interpretation.
Conduct field visits, customer interactions, and business assessments whenever required.
Drive process improvements and operational efficiency across the assigned region.
Maintain high standards of compliance, governance, and risk management.
Desired Candidate Profile
Educational Qualification
Graduate in any discipline.
Experience Requirements
Up to 10 years of experience in Credit Underwriting/Credit Operations within Banking or NBFC.
Minimum 3 years of experience in SME Loan underwriting/appraisal is highly desirable.
Strong understanding of SME lending products, financial analysis, credit policy, and risk assessment.
Key Skills
SME Credit Appraisal
Financial Statement Analysis
Credit Underwriting
Risk Assessment
Business Loan Evaluation
Cash Flow Analysis
Banking & Financial Services
Credit Operations
Loan Processing
Portfolio Management
GST & Bank Statement Analysis
Team Management
Regulatory Compliance
Stakeholder Management
What We Offer
Opportunity to work with a growing SME lending business.
Challenging role with significant decision-making responsibility.
Career growth and leadership opportunities.
Competitive compensation and performance-linked incentives. .
