Branch Credit Manager

Job Description

Opening for these Locations :-Jagityal | Manchierial | Siddipet | Nizambad | Mahabubnagar | Kamareddy | Khammam | Eluru | Gudivada | Vijayawada | Tiruvuru | Machilipatnam | Bapatla | Yemmiganur | Gangavathi | Tuni. Role & responsibilities : Job Description : As the Branch Credit and Risk Manager (BCRM), you will manage the credit and risk functions at the branch level. Your role will focus on evaluating loan applications, conducting detailed assessments, identifying risks, and ensuring compliance with credit policies. You will play a key role in maintaining a healthy loan portfolio and ensuring the efficient processing of loans from application to disbursement. Key Responsibilities: 1. Loan Processing & Credit Approval Process loan applications and ensure compliance with credit policies. Collect and assess required information for informed decision-making. Evaluate customer cash flow and repayment capacity. 2. Risk Management Conduct thorough KYC and Bureau checks to identify risks. Perform field investigations, including property verification and neighbor checks. Detect fraud and misrepresentation by assessing application authenticity. 3. Post-Approval Process Coordinate legal and technical aspects of loan disbursement. Verify all required legal and technical reports are accurate and compliant. 4. Portfolio Management & Delinquency Control Maintain and improve loan portfolio quality. Monitor delinquency rates and take proactive measures to control risks. 5. Performance Metrics & Reporting Ensure smooth loan processing by managing ideal TAT for login-to-sanction and sanction-to-disbursement. Achieve a high sanction-to-disbursement conversion rate (over 90%). Maintain First Time Right (FTR) compliance for logins above 75%. 6. Customer Communication Ensure customers understand their loan eligibility and terms. Clearly communicate loan requirements and support a seamless loan journey. Preferred candidate profile : Education: Bachelors degree in Finance, Business Administration, or related field. MBA or finance certifications are preferred. Experience: 2-5 years of experience in credit & risk within the financial services, mortgage, or real estate sector, with experience in LAP. Skills and Competencies: Strong interpersonal and communication skills with an ability to build rapport and trust with clients. Analytical skills and the ability to assess client financials and property documentation. Attention to detail and thoroughness in property visits and documentation review. Additional Requirements: Willingness to travel for on-site property visits and physical PD as needed. Basics in MS Office Perks and benefits: Opportunity for growth and career development. Hands - on experience in a dynamic business environment. Mentorship and guidance from industry leaders. Competitive salary package. Job Types: Full-time, Permanent Pay: ₹35,000.00 - ₹50,000.00 per month Benefits: Health insurance Provident Fund Schedule: Day shift Supplemental Pay: Performance bonus Work Location: In person