Branch Credit Manager

BRANCH CREDIT MANAGER Job Summary: We are seeking a detail-oriented and experienced Branch Credit Manager to manage credit underwriting and risk assessment at the branch level. The ideal candidate will evaluate loan applications, ensure compliance with credit policy, and support business growth by maintaining a healthy portfolio. Key Responsibilities: Assess and evaluate creditworthiness of loan applications within the branch. Conduct due diligence and financial analysis of applicants, including income assessment, cash flow analysis, and verification of documents. Approve or recommend credit decisions within defined authority limits. Ensure compliance with internal credit policy, regulatory guidelines, and risk parameters. Conduct personal discussions (PDs) with customers, wherever necessary. Coordinate with sales, operations, legal, and collections teams to ensure smooth and compliant processing. Monitor loan performance post-disbursement and flag early warning signals. Maintain credit TAT (Turnaround Time) and quality parameters as per organizational standards. Train and guide the sales and credit support team on documentation and process. Support audits and ensure proper documentation and file maintenance. Key Requirements: Graduate Minimum Qualification 3–5 years of experience in credit in NBFC/BFSI sector. Sound understanding of lending products, risk assessment techniques, and financial analysis. Strong decision-making and analytical skills. Familiarity with regulatory norms and compliance standards. Good communication and coordination skills.