Branch Credit Manager

You are seeking a dedicated and experienced Branch Credit Manager to oversee and manage the Individual Loan (IL), Housing Loan, and MSME Loan portfolios at Premium finlease Pvt. Ltd in Haryana & UP. Your role will involve credit appraisal, underwriting, portfolio management, compliance with regulatory norms, and contributing to branch growth and profitability. **Key Responsibilities:** - Evaluate, appraise, and underwrite credit proposals for IL, Housing Loans, and MSME Loans. - Conduct thorough financial and risk assessments including analysis of credit reports, financial statements, collateral, and market conditions. - Make data-driven credit decisions in line with the company's risk appetite. - Continuously monitor borrowers" creditworthiness, market changes, and early-warning signals to mitigate risks. - Develop strategies to enhance asset quality and reduce Non-Performing Assets (NPAs). - Ensure adherence to internal credit policies, regulatory guidelines, and compliance standards. - Lead and mentor the credit team, collaborate with sales and operations teams, and provide training on credit policies and risk assessment. - Build and maintain relationships with customers, stakeholders, and referral partners. - Prepare reports on portfolio metrics, delinquency trends, and credit performance for senior management. - Leverage data analytics to forecast credit demand and identify new business opportunities. **Qualifications & Requirements:** - Education: Bachelor's degree in Finance, Commerce, Business Administration, or related field. Master's degree or professional certification preferred. - Experience: Minimum 5+ years in credit underwriting, appraisal, or similar role within an NBFC or bank. Experience in IL, Housing Loans, and MSME Loans mandatory. - Technical Skills: Strong knowledge of credit risk assessment tools, proficiency in MS Office, and relevant software. - Soft Skills: Excellent communication, interpersonal, analytical, decision-making, and problem-solving abilities. Leadership skills to guide the branch credit team. **Key Competencies:** - In-depth understanding of credit risk and lending regulations in the NBFC sector. - Customer-centric mindset balancing business objectives and risk management. - Strategic thinking for continuous improvement in credit processes and portfolio quality. - Ethical conduct and integrity in decision-making. If you join Premium finlease Pvt. Ltd, you will have growth opportunities, an impactful role in financial inclusion, be part of a collaborative culture, and receive competitive compensation with attractive benefits.,