Job description Job Description: Branch Credit Manager (NBFC – HL, LAP & IL) Position Title: Branch Credit Manager Department: Non-Banking Financial Company (NBFC) Specialization: Home Loans (HL), Loan Against Property (LAP), and Individual Loans (IL) Location: Kaithal Reporting To: Branch Manager/Regional Credit Manager Company Description Founded in 1996, PREMIUM FINLEASE PVT. LTD. is a registered NBFC dedicated to providing tailored financial solutions to underserved communities in rural and semi-urban India. With a strong focus on Home Loans, Loan Against Property, and Individual Loans, we aim to empower individuals and families with accessible and transparent credit options. Our customer-centric approach and commitment to financial literacy ensure that clients can confidently manage their finances and achieve their long-term financial goals. Role Overview We are seeking a detail-oriented and analytical Branch Credit Manager to oversee the credit operations for Home Loans, Loan Against Property, and Individual Loans. The ideal candidate will be responsible for credit assessment, maintaining a high-quality loan portfolio, and mitigating risks while supporting the branch’s growth objectives. This position requires thorough knowledge of loan products, credit policies, and regulatory compliance. Key Responsibilities Credit Assessment and Approval Evaluate loan applications for HL, LAP, and IL customers based on creditworthiness, property valuation (where applicable), and repayment capacity. Conduct comprehensive due diligence, including financial analysis, documentation verification, field/property visits, and credit scoring. Approve or recommend loans within delegated authority limits, ensuring alignment with organizational credit policies. Risk Management Monitor and ensure adherence to credit policies, underwriting guidelines, and risk mitigation frameworks. Identify potential risks within the HL, LAP, and IL portfolios, taking proactive measures to minimize defaults and delinquencies. Regularly analyze portfolio trends and implement strategies to control Non-Performing Assets (NPA). Loan Portfolio Management Oversee the branch’s HL, LAP, and IL portfolios to ensure balanced growth and profitability. Track loan disbursements, repayments, and overdue accounts, implementing timely recovery measures. Maintain credit-to-risk ratios in line with company standards and growth objectives. Team Collaboration Work closely with the sales team to ensure high-quality loan sourcing and origination. Provide guidance and training to loan officers on credit assessment and risk management best practices. Support branch operations and collaborate with cross-functional teams to achieve overall business targets. Customer Relationship Management Engage with customers to understand their financing needs and offer customized solutions. Address customer concerns related to credit decisions promptly and maintain positive customer relationships. Compliance and Reporting Ensure all credit processes and decisions comply with internal policies and external regulatory guidelines. Prepare and submit periodic credit-related reports to the Branch Manager and Regional Credit Manager. Coordinate with auditors, regulatory bodies, and internal stakeholders during inspections or reviews. Key Performance Indicators (KPIs) Approval rate of quality loan applications (HL, LAP, IL) Reduction in delinquency and NPA levels Turnaround time (TAT) for loan processing and disbursement Portfolio health and customer satisfaction scores Compliance with credit policies and audit standards Qualifications and Experience Educational Requirements Bachelor’s degree in Finance, Accounting, Business Administration, or a related field (Master’s degree preferred). Professional Experience Minimum of 5 years of experience in credit assessment or underwriting, preferably within HL, LAP, or IL segments in NBFCs/Banks. In-depth understanding of property valuation, mortgage lending, and credit underwriting techniques. Technical Skills Proficiency in Loan Management Systems (LMS) and financial analysis tools. Familiarity with regulatory guidelines relevant to NBFCs and mortgage lending. Key Competencies Analytical Thinking and Attention to Detail Decision-Making and Problem-Solving Skills Customer-Centric Approach Effective Communication and Interpersonal Skills High Ethical Standards and Integrity Team Collaboration and Leadership Why Join Us? Be part of a mission-driven organization focused on financial inclusion and empowerment. Competitive compensation and robust career growth opportunities. Collaborative and dynamic work environment with exposure to diverse loan products. Access to professional development and training programs that enhance credit and leadership skills. Show more Show less