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Circle Credit Manager Indore

Financial Services

Job Location:

Indore - India

Monthly Salary: INR 3500000 - 4000000

Posted: 14 August 2026 (20 days ago)

Application Deadline: 11 November 2026

Vacancies: 1 Vacancy

Job Summary

Key Result Areas	Supporting Actions
Credit Underwriting Management	Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information current macroeconomic scenario current portfolio concentration etc. Make decision proposals within delegated authority Evaluate new credit proposals / review existing credit exposures with a view to bring out the industry business financial management and facility structure risk. Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal. Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals Ensure prompt resolution/ explanation of queries raised by sanctioning authorities Recommend delegation authority to RCMs/ACMs/CMs to ensure faster TAT for parameterized proposals. Work closely with the collection and legal to take action against defaulting parties
Portfolio Management	To monitor the STSL business portfolio performance by continuous analysis of fundamentals review of the ratings analysis of the covenant and evaluation of the industry performance in that sector Review the covenant of loan proposals at frequent intervals and undertake action for serious deviations Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers RSMs NSMs and Senior Management. Formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category
Process Improvements	Provide inputs and suggest amendments for various lending norms like Risk Matrix Interest Rate Policy Credit Authorization Matrix Risk Universe Processes keeping the current regulatory and compliance environment in mind Undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments Deploy effective processes and mechanisms to ensure high quality TATs for validating lending proposals & share the same with all concerned stakeholders
Business Growth / Cross Functional Coordination / Stakeholder Management	Support sales team in maintaining partner relationshipswith DSAs and Channel Partners and regular visits and trainings to meet business results Communicate the expected credit standards by engaging with the channel partners sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information and Co-coordinating for smooth disbursement. Discussing through the door login trend and educating the business team on wastages and corrective actions.
Deliver Stay and growth	Deliver - Ensure that business and portfolio related targets are met within given timeframe Stay Ensure controlled attrition by way of continuous training and development thus resulting into internal growth to team members Growth - Understanding of the requirement of workforce to ensure that the right environment is created for people to grow.
Cross Functional Coordination	Communicate the expected credit standards by engaging with the channel partners sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information Oversee communication cascades to the sales teams on the broad parameters for validating lending proposals provide regular trainings to RMs for the same Ensure document execution from RMs and the files are up to date
Reporting Review & MIS	Regularly Review & Monitor the Portfolio performance OTC & PDD movement and Compliance related matters Regularly Review & Monitor Vendor Management and closure of Audit queries Review the delegation of authority exercised by RCMs
Team Management	Provide the team with best-in-class knowledge on selection norms new ways of proposal analysis and concepts Ensure that the team stays abreast with all the latest developments in the secured lending space Nominate teams for product behavioral & negotiation trainings and work on self-development initiatives
Credit Projects	Taking up projects with an aim of improving processes / portfolio hygiene from time to time with overall objective of improving ROA and / or cost control.

Required Experience:

Manager

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About Company

Financial Services

Discover a world of financial solutions at Aditya Birla Capital – your trusted partner for investments, insurance, loans, and a wide range of financial services in India.

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