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Axis Bank
Axis Bank Credit Manager Recruitment 2026: Apply Online
Credit Manager – ASHA
Experience Required
Experienced in retail credit with team handling
Salary / Package
Competitive as per industry standards
Work Mode
Full-time
Openings
Multiple
Job Overview
- Monitor Turnaround Time (TAT) from Login to Sanction for Asha Loan cases to ensure timely decisioning.
- Validate data entry accuracy and ensure all borrower details, financial inputs, and FI findings are correctly captured in systems.
- Assess and underwrite proposals using Asha-specific evaluation techniques including informal income assessment, surrogate programs, and field validation reports.
- Take credit decisions in line with policy guidelines, risk frameworks, and deviation approval mechanisms.
- Ensure adherence to audit, compliance, and policy requirements, avoiding repeat audit observations.
- Coordinate with FI agencies, technical vendors, and internal teams to obtain necessary inputs for effective underwriting.
- Provide continuous feedback on process gaps, policy changes, and underwriting challenges specific to the Asha segment.
- Participate in training initiatives, process improvements, and pilot programs for enhancing underwriting efficiency.
- Manage stakeholder interactions with Business, Operations, and Vendors for seamless case processing.
- Contribute ideas for process enhancements, automation opportunities, and cost efficiencies.
Key Job Details
| Company Name | Axis Bank |
| Job Role | Credit Manager – ASHA |
| Experience | Experienced in retail credit with team handling |
| Salary Range | Competitive as per industry standards |
| Job Type | Full-time |
| Work Mode | Full-time |
| Openings | Multiple |
| Job Location | India |
Key Responsibilities
- Monitor Turnaround Time (TAT) from Login to Sanction for Asha Loan cases.
- Validate data entry accuracy and borrower financial inputs.
- Assess and underwrite proposals using Asha-specific evaluation techniques.
- Take credit decisions in line with policy guidelines and risk frameworks.
- Ensure adherence to audit, compliance, and policy requirements.
Requirements & Qualifications
- Graduate / Post-Graduation (MBA/CA preferred).
- Experience in retail credit with team handling capabilities.
- Solid knowledge of credit, industry, and product trends.
- Familiarity with regulatory guidelines and norms.
Required Skills
- Retail Credit Underwriting
- Credit Risk Assessment
- Mortgage Evaluation
- Communication & Stakeholder Management
- Data Validation & Analysis
About Axis Bank
Axis Bank is one of India’s leading private sector banks, offering a comprehensive suite of financial products and services to retail, SME, and corporate customers.
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Frequently Asked Questions
Q: What is the primary role of the Credit Manager at Axis Bank?
A: The Credit Manager is responsible for decentralized underwriting, monitoring turnaround times (TAT) for Asha Loan cases, validating data entry, and making credit decisions in line with policy guidelines.
Q: What educational qualifications are required for this role?
A: Candidates should hold a Graduate or Post-Graduation degree, with an MBA or CA qualification being preferred.
Q: Is experience required for the Credit Manager position?
A: Yes, candidates should have prior experience in retail credit along with team handling capabilities.
Q: Where is the job location?
A: The position is based in India with various banking operations hubs.
Q: How can I apply for this job?
A: You can apply online through the provided application link on the career portal or LinkedIn job page.
Disclaimer: This job post is prepared by collecting data from the official career page of Axis Bank. We are not direct recruiters or representatives. Candidates should carefully review the requirements and policies on the company’s portal before initiating an application.