Regional Credit Manager - Agri Finance-AGRI-FIN-PROJECTS (AF)-Credit

Credit Underwriting & Risk Assessment

• Evaluate and approve credit proposals for Agri Finance products 
• Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
• Conduct financial and non-financial analysis of borrowers including farm economics, cash flows, and collateral evaluation.

Portfolio Management

• Monitor portfolio performance, delinquencies, and early warning signals.
• Collaborate with collections and business teams to maintain asset quality.
• Conduct periodic reviews and stress testing of regional portfolio.

Policy Implementation & Process Improvement

• Implement and communicate credit policies and product guidelines across the region.
• Recommend changes to credit processes based on field feedback and risk trends.
• Drive digitization and automation initiatives in credit underwriting.

Stakeholder Management

• Liaise with business teams to support growth while maintaining credit discipline.
• Coordinate with legal, compliance, and operations for seamless credit processing.
• Train and mentor LCM/ACM on credit norms and risk practices.

Qualifications & Experience:

• MBA/PGDM in Finance, Agriculture, or related field.
• 15-20  years of experience in credit underwriting, preferably in Agri or Rural Finance.
• Strong understanding of agricultural cycles, commodities, and rural credit behaviour.

Skills & Competencies:

• Analytical thinking and financial acumen.
• Knowledge of agri lending products and rural markets.
• Decision-making and problem-solving skills.
• Excellent communication and stakeholder management.