Area Credit Manager – Retail

The employer is seeking an experienced Area Credit Manager – Retail to join its team in Noida, Uttar Pradesh. The role sits within the retail credit function and involves managing credit appraisal, underwriting, and risk evaluation for retail lending products across the designated area.

The selected candidate will be responsible for assessing retail loan applications, ensuring adherence to credit policies, and maintaining portfolio quality. The role requires close coordination with sales and operations teams to enable business growth while keeping credit risk within acceptable parameters.

Key responsibilities may include:

• Evaluating and sanctioning retail credit proposals in line with established credit norms
• Monitoring portfolio health and identifying early warning signals
• Ensuring compliance with regulatory guidelines and internal credit policies
• Collaborating with cross-functional teams to support business targets

Candidates with a background in retail credit underwriting or credit risk management within banking or financial services are encouraged to apply.