Role & responsibilities Credit Decisions Make informed and sound lending decisions based on thorough analysis of available information and direct interactions with loan applicants. Proactively manage credit quality to minimize delinquencies, mitigate fraud risks, and ensure adherence to credit policies and procedures. Performance Monitoring Monitor and manage branch credit performance against key drivers, including: Losses / Portfolio Quality Parameters : Analyze portfolio health, identify potential risks, and implement strategies to maintain a high-quality loan book. Cost of Credit Administration : Optimize processes and resource allocation to ensure efficient and cost-effective credit operations. Employee Productivity : Drive team efficiency and effectiveness in credit assessment, processing, and monitoring activities. Preferred candidate profile Graduate / Postgraduate 4-5 years experience in Credit/Underwriting of Secured/Unsecured products Ability to manage credit processes & teams

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Branch Credit Manager