Finplex - Area Credit Manager - Unsecured Loans

Job Supervise and guide a team of credit officers / credit managers across multiple branches or locations within the assigned area.

• Review and approve unsecured business loan proposals as per delegated credit authority.
• Ensure adherence to credit policies, underwriting norms, and regulatory guidelines (RBI / NBFC).
• Evaluate complex credit cases, conduct PDs (personal discussions), and make sound credit decisions.
• Work closely with sales and operations teams to ensure high-quality business sourcing.
• Maintain TAT (Turnaround Time) while ensuring thorough due diligence and risk assessment.
• Monitor portfolio performance, track early delinquencies, and initiate corrective actions.
• Analyze trends, provide insights, and recommend improvements in credit policy and risk strategies.
• Coordinate with collections, fraud control, and compliance teams as needed.
• Conduct training and capacity-building sessions for credit and sales staff.

ref : iimjobs.com)