Job Description

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Responsible for managing the credit portfolio for the Ananthapur region, ensuring efficient credit assessment, risk management, and timely recovery, thereby contributing to the company's financial health and growth.

Job Responsibilities**

* Lead and manage the credit team in Ananthapur, overseeing their performance and development.
* Evaluate credit applications, conduct thorough financial analysis, and assess creditworthiness of clients.
* Approve or reject loan applications based on established credit policies and risk parameters.
* Monitor existing credit accounts, identify potential risks, and implement corrective actions.
* Develop and maintain strong relationships with clients to facilitate effective credit management and recovery processes.
* Ensure compliance with all internal credit policies, regulatory requirements, and lending guidelines.
* Prepare and present credit reports and portfolio performance analyses to senior management.
* Implement strategies for minimizing non-performing assets and maximizing recovery rates.
* Stay updated on market trends, economic conditions, and competitive landscape affecting credit risk.

Job Qualifications**

* Bachelor's degree in Finance, Business Administration, Economics, or a related field. MBA or relevant professional certification (e.g., FRM, CFA) preferred.
* Minimum of 7-10 years of experience in credit management, preferably within a financial institution or similar industry.
* Proven experience in leading and managing a credit team.
* Strong analytical skills with the ability to interpret financial statements and assess credit risk.
* Excellent communication, negotiation, and interpersonal skills.
* Thorough understanding of credit policies, procedures, and regulatory compliance.
* Demonstrated ability to make sound credit decisions and manage risk effectively.
* Proficiency in financial software and Microsoft Office Suite.
* Fluency in English and Telugu is highly desirable.