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Area Operations Manager

Date Posted: Oct 23, 2026

Job Detail

  • location_on
    Location Rajkot, Gujarat, India
  • desktop_windows
    Job Type: Full Time/Permanent
  • schedule
    Shift:
  • analytics
    Career Level:
  • group
    Positions:
  • calendar_view_day
    Experience:
  • male
    Gender: No Preference
  • school
    Degree:
  • calendar_month
    Apply Before: Dec 07, 2026

Job Description

Job Requirements

Job Title – Area Operations Manager     

Place of work – Mumbai

Business Unit – Rural Banking

Function – Credit Operations

             

Job Purpose:

 

This role entails management and maintenance of the quality of the credit portfolio pertaining to the client portfolio from origination to collections while ensuring alignment with IBFC First's credit risk appetite and the overall credit strategy in order to minimize problematic accounts and losses in the assigned area to the bank. This role has a primary responsibility to review the customers’ credit evaluation and assessment results and proceed to the accurate and timely update of their credit limit at the relevant systems, so as to support the effective management and execution of the credit application process.

                                                                                                  

Primary Responsibilities:

             

  • Implement approved departmental policies, processes, procedures and provides instructions to subordinates and monitor their adherence so that work is carried out in a controlled manner.
  • Monitor the approvals / cancelation / freeze of the customers’ credit limits and proceed to the relevant account’s accurate and timely update to the available systems, so as to support the accurate provision of credit to customers.
  • Communicates with the relevant Credit Analysts in case of clarifications required regarding the credit limits of the clients and proceeds to their accurate update.
  • Provides the required information as requested from all the available systems regarding the customer accounts credit limit profile.
  • Inform relevant teams regarding any potential change in the customer credit limit status, so as to support the accurate administration and management of the credit applications and customer accounts.
  • Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT.
  • Employ tools such as automation and digitization to increase process efficiency.
  • Conduct detailed analysis of delinquencies and recommend changes to the product teams.
  • Ensure the successful adoption of internal compliances & regulatory framework across the assigned region.
  • Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy.

 

Secondary Responsibilities:

 

  • Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
  • Provide recommendations regarding improvements and changes to the credit policies and procedures, documenting and circulating policies, to ensure that all requirements are fulfilled and risks are mitigated while delivering a high quality service to customers.

 

Managerial & Leadership Responsibilities:

 

  • Monitor key parameters on productivity, hiring quality and attrition rates and make necessary improvements.
  • Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight.

 

 

 

Educational Qualifications:        

 

Graduate – Any

Post Graduate – MBA

 

 

Experience:

 

8+ years in credit operations.



Source: IDFC FIRST Bank careers — Read the original posting and apply

This role is listed by the employer on its own careers site. Kaam Ki Khoj does not process applications for it.

Company Overview

IDFC FIRST Bank
IDFC FIRST Bank · Mumbai, Maharashtra, India
20 open roles

IDFC FIRST Bank is an employer in the Banking/Financial Services/Broking sector with operations in India. This is a directory listing maintained by Kaam Ki Khoj so that candidates can find the organisation; it is not an official company page and Kaam... Read More

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