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Job Summary:** We are seeking an experienced Credit Manager to oversee all aspects of credit operations in our Suryapet branch. This role involves managing credit risk, ensuring compliance with lending policies, and leading a team to achieve business objectives while maintaining a healthy loan portfolio. Job Responsibilities:** Manage the end-to-end credit assessment and approval process for various loan products. Analyze financial statements, credit reports, and other relevant data to evaluate creditworthiness of applicants. Develop and implement effective credit policies and procedures in line with company guidelines and regulatory requirements. Monitor and manage the existing loan portfolio, identifying and mitigating potential credit risks. Lead, mentor, and train a team of credit officers and analysts, fostering a high-performance culture. Collaborate with sales and business development teams to support business growth while maintaining credit quality. Ensure timely and accurate reporting of credit activities, including portfolio performance and risk metrics. Handle customer queries and concerns related to credit, providing excellent service and conflict resolution. Stay updated on industry trends, economic conditions, and regulatory changes impacting credit operations. Job Qualifications:** Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree or professional certification (e.g., CA, CFA) is a plus. Minimum of 5-7 years of progressive experience in credit management, preferably within a banking or financial services institution. Proven track record of managing credit risk and maintaining a healthy loan portfolio. Strong analytical and decision-making skills with the ability to interpret complex financial data. Excellent leadership and team management abilities. In-depth knowledge of credit appraisal techniques, lending principles, and regulatory compliance (e.g., RBI guidelines). Exceptional communication and interpersonal skills. Proficiency in credit management software and Microsoft Office Suite, especially Excel. Fluency in Telugu and English is essential.