Area Credit Manager – Retail
The employer is seeking an Area Credit Manager for its Retail division based in Delhi. The role focuses on managing and overseeing retail credit operations within the assigned area.
About the role
The employer is looking for an experienced Area Credit Manager – Retail to join its team in Delhi. This position sits within the retail credit function and carries responsibility for credit assessment, risk evaluation, and portfolio management across the designated area.
The selected candidate will be expected to oversee the end-to-end credit appraisal process for retail lending products, ensuring adherence to internal credit policies and regulatory guidelines. The role demands strong analytical capabilities and sound judgement in evaluating borrower profiles and loan proposals.
Key responsibilities include:
- Managing retail credit underwriting and approval processes for the assigned territory
- Monitoring portfolio quality and taking proactive steps to mitigate credit risk
- Coordinating with sales and operations teams to ensure smooth credit delivery
- Ensuring compliance with credit policies, risk frameworks, and applicable regulations
This is a field-facing leadership role suited to a credit professional with demonstrated experience in retail lending and a strong understanding of risk management principles.