Area Credit Manager- Meerut (Uttar Pradesh)

Role & responsibilities

• Conduct thorough credit assessments and implement effective risk management strategies tailored to the state's market conditions.
• Ensure compliance with state-level regulatory requirements and internal policies.
• Monitor and optimize the loan portfolio within the state to maintain quality and profitability.
• Collaborate effectively with regional and local teams and communicate important updates and decisions within the state.
• Identify opportunities for process improvement and drive initiatives to enhance efficiency and effectiveness.

Provide leadership and support within the state credit department to achieve organizational objectives.

Focus Areas

Credit Assessment

1. Conducting comprehensive credit assessments for loan applications within the state.

2. Ensuring adherence to credit evaluation processes and standards.

3. Verifying the accuracy and completeness of credit information provided.

Risk Management

1. Identifying and analyzing credit risks specific to the state's market and economic conditions.

2. Developing and implementing strategies to mitigate identified risks effectively.

3. Monitoring state-specific credit risk indicators and taking proactive measures

Regulatory Compliance

1. Ensuring compliance with state-level regulatory requirements and internal policies.

2. Keeping updated with changes in state-specific regulations affecting credit operations.

3. Updating credit policies and procedures to ensure alignment with state regulations.

Portfolio Oversight

1. Monitoring the performance of the loan portfolio within the state.

2. Analyzing trends and identifying areas for portfolio optimization.

1. Implementing strategies to maintain portfolio quality and profitability at the state level.

Collaboration and Communication

1. Collaborating with regional and local teams to align credit strategies with state objectives.

2. Communicating credit decisions, policies, and updates effectively to stakeholders within the state.

3. Providing support and guidance to branches and regional teams on credit-related matters.

Process Improvement

1. Identifying opportunities to enhance credit processes and streamline operations within the state.

2. Implementing changes to improve the efficiency and effectiveness of credit evaluation and approval processes.

3. Promoting a culture of continuous improvement within the state credit department.

Interested candidate can share there updated resume at itee.hazari@aavas.in/ yugaldutt.mathur@aavas.in