Key Responsibilities: • Credit Underwriting: Evaluate business proposals, financial statements, cash flows, and creditworthiness for PL • Risk Management: Implement risk mitigation strategies, identify early warning signals, and manage portfolio quality to reduce NPAs. • Policy Adherence: Ensure all loan applications comply with company credit policies and external regulatory norms. • Portfolio Management: Monitor portfolio performance, trends, and delinquencies in the assigned state. • Team Leadership: Supervise credit analysts/managers, providing training and monitoring team performance on TAT (Turnaround Time) and accuracy. • Stakeholder Interaction: Liaise with sales teams to manage loan pipelines and with legal/technical vendors for valuation.