Zonal Credit Manager-East

  • Kolkata
  • Utkarsh Small Finance Bank

Appraising proposals for Retail Assets Loans, conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies.


1-Ensuring that all credit processes are followed and policy norms are implemented in underwriting and approval of loans in the assigned Zone.

2-Personal discussion with high ticket customers to understand business, cash flows, purpose of loan, future plans etc.

3-Keeping track of industry level / competition level trends and initiating corrective actions if any required in credit appraisal policy / procedures.

4-Ensuring timely processing / decision (wherever applicable) of cases for all assigned locations/Region / Zone.

5-Maintaining close coordination with Risk Containment Unit on Fraud detection / investigation and on portfolio trends.

6-Monitoring the portfolio on all “Performance Monitoring Triggers” and initiating corrective action, wherever required.

7-Ensuring timely review / renewal of all accounts in portfolio

8-Contribute towards continuous improvement of control processes by identifying and highlighting the gaps/risk.

9-Ensuring compliance of all bank policies / norms / guidelines and targeting “satisfactory” audit rating.