Assistant Manager – Retail Credit Initiation & Compliance

About the role

The Assistant Manager will lead the end‑to‑end onboarding process for retail credit products, overseeing personal loans and card applications across offshore and onshore teams. The role ensures compliance with credit policies, maintains service standards and drives quality and productivity.

Key responsibilities

• Direct and control personal loans and cards application processing end‑to‑end, including underwriting, CPV and disbursal.
• Review cases to ensure product parameters and policy criteria are met and SLA/TAT are achieved.
• Track and report monthly exceptions, manage escalation processes and produce MIS reports for stakeholders.
• Maintain high quality standards in onboarding, enforce controls, risk factors and procedures.
• Coordinate with other units, risk team and business partners for capacity planning and optimal workflow.

Required profile

• Strong knowledge of credit policies for retail products and adherence to country‑specific risk parameters.
• Experience in managing offshore teams and ensuring SLA compliance.
• Ability to analyse rejects/referrals, drive continuous learning and improve approval rates.
• Proven coordination skills with risk, operations and business units.

Required skills

• Credit underwriting and policy application
• MIS reporting and data analysis
• Risk assessment and exception reporting
• SLA monitoring and performance tracking