State Credit Manager

Projects Overview

Date Posted: 06-Jul-2026
Job Type: Full Time
Job Exp: 1 Year
Salary: ₹15000 / MONTH
Location: delhi
Education Req: Bachelor's degree

Job description

Job Details

Job Title: State Manager – Credit
Department: Credit
Location: Multiple Locations, India
Employment Type: Full-time, Employee
Job Posted On: January 2, 2024

Job Responsibilities

Possess a strong understanding of credit policy and underwriting for Business Loans and Loan Against Property (LAP).
Evaluate credit proposals by analyzing market, business, and financial risks to make informed loan decisions.
Assess borrowers' business, financial, and credit history to determine their creditworthiness.
Examine financial statements, bank records, ITRs, and GSTN records to assess prospective customers’ short-term and long-term solvency and liquidity.
Have deep knowledge of local geography and the socio-economic conditions of the branch sales zone.
Implement fraud prevention measures, mitigate property overvaluation, and manage legal risks through effective coordination with agencies.
Analyze credit risks and provide feedback to the central policy and underwriting team for preventive actions.
Understand customer requirements and ensure efficient service delivery.
Take responsibility for implementing strict underwriting standards and internal controls at the branch to safeguard data and assets.
Oversee operational risk and support functions, including PDD, collections data, and foreclosure requests.
Conduct regular branch audits and monitor fraud risks and early delinquencies.
Monitor portfolio performance and collateral management regularly.
Ensure approval rate and turnaround time (TAT) meet prescribed standards.
Ensure compliance with KYC, regulatory requirements, credit underwriting, collateral management, legal agencies, and audit functions.
Perform basic analytics and MIS reporting to stakeholders at the branch level.
Implement standard operating policies, process documentation, and risk frameworks as recommended by the risk policy unit.
Identify and initiate process improvements to reduce risk and enhance efficiency.

Team & Vendor Management

Mentor and train team members to maintain high credit standards.
Oversee vendor management and ensure smooth delegation of work.
Conduct daily local travel for personal discussions (PDs), customer visits, and vendor meetings.