ACM_Collections Retail- Secured flows_Vijayawada

Position Area Credit Manager Location Vijayawada, Andhra Pradesh Department Credit & Risk Management Reporting To Regional Credit Manager / State Credit Head Role Purpose The Area Credit Manager is responsible for managing the credit underwriting and portfolio quality of retail and SME lending business across the assigned geography. The role involves evaluating loan proposals, conducting credit assessments, ensuring adherence to credit policies, minimizing credit risk, and supporting business growth while maintaining portfolio health. Key Responsibilities Credit Appraisal & Underwriting Assess and approve loan proposals within delegated authority limits. Conduct detailed analysis of customer financials, repayment capacity, banking behavior, and credit history. Evaluate secured and unsecure