Branch Credit Manager(HL,Lap,IL) Job Title: Branch Credit Manager – IL, Housing Loans, & MSME Loans Company: Premium fin lease Pvt.Ltd. Location: Hisar Employment Type: Full-Time Job Summary We are seeking a dedicated and experienced Branch Credit Manager to oversee and manage our Individual Loan (IL), Housing Loan, and MSME Loan portfolios. The ideal candidate will have a strong background in credit analysis, underwriting, portfolio management, and team leadership. This role demands a proactive professional who can optimize credit processes, ensure compliance with regulatory norms, and contribute to the overall growth and profitability of the branch. Key Responsibilities Credit Appraisal & Underwriting Evaluate, appraise, and underwrite credit proposals for IL, Housing Loans, and MSME Loans. Perform thorough financial and risk assessments, including analysis of credit reports, financial statements, collateral, and market conditions. Make well-researched, data-driven credit decisions in line with the company’s risk appetite. Portfolio Management Monitor and manage loan portfolios, ensuring timely repayment and minimal delinquency. Continuously track borrowers’ creditworthiness, market changes, and early-warning signals to mitigate risks. Develop strategies to improve asset quality and reduce Non-Performing Assets (NPAs). Compliance & Risk Management Ensure adherence to internal credit policies, regulatory guidelines (RBI/NBFC norms), and compliance standards. Maintain accurate documentation, records, and audit trails for all loan files. Implement internal controls to safeguard assets and uphold the organization’s credit integrity. Branch Operations & Team Leadership Lead and mentor the credit team at the branch, providing guidance on complex credit assessments and underwriting decisions. Collaborate closely with the sales and operations teams to streamline loan processing and enhance the customer experience. Organize training and capacity-building sessions on credit policies, risk assessment, and best practices for team members. Relationship Management Build and maintain strong relationships with local customers, community stakeholders, and referral partners. Represent the NBFC in local forums and events to promote brand visibility and business growth. Coordinate with external agencies (valuation, legal, verification) to facilitate smooth credit processing. Reporting & Analysis Prepare regular reports on key portfolio metrics, delinquency trends, and credit performance for senior management. Leverage data analytics and market insights to forecast credit demand and identify new business opportunities. Provide feedback and recommendations on product enhancements, process improvements, and new credit initiatives. Qualifications & Requirements Education: Bachelor’s degree in Finance, Commerce, Business Administration, or a related field. A Master’s degree or a professional certification (CA, MBA, CFA, etc.) will be preferred. Experience: Minimum 5+ years of experience in credit underwriting, credit appraisal, or a similar role within an NBFC or a bank. Proven track record in handling Individual Loans (IL), Housing Loans, and MSME Loans is mandatory. Technical Skills: Strong knowledge of credit risk assessment tools and methodologies. Proficiency in MS Office (Excel, Word, PowerPoint) and familiarity with loan origination systems or relevant software. Soft Skills: Excellent communication and interpersonal skills for customer interactions and internal coordination. Strong analytical, decision-making, and problem-solving abilities. Ability to work under pressure, meet targets, and manage multiple priorities. Leadership skills to guide, mentor, and motivate the branch credit team. Key Competencies In-depth understanding of credit risk and lending regulations in the NBFC sector. Customer-centric mindset with the ability to balance business objectives and risk management. Strategic thinking and continuous improvement approach to enhance credit processes and portfolio quality. Ethical conduct and integrity in all decision-making and stakeholder interactions. Why Join Us Growth Opportunities: Work in a dynamic environment with prospects for professional advancement. Impactful Role: Contribute to financial inclusion by extending credit to individuals, families, and businesses in need. Collaborative Culture: Be part of a supportive team that values innovation, integrity, and excellence. Competitive Compensation: Attractive salary package, incentives, and benefits commensurate with experience. Show more Show less

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

Job Title: Human Resources Manager (HRM) Location: Hisar Company: Premium Finlease Pvt. Ltd. Industry: Non-Banking Financial Company (NBFC) Experience Required: Minimum 7 years Overall (with experience in NBFC mandatory) Employment Type: Full-time Reporting To: Chief Executive Officer (CEO) About Us: Premium Finlease Pvt. Ltd. is a dynamic NBFC committed to financial inclusion in Tier 3 and Tier 4 cities, offering secured and unsecured loans tailored for small businesses and individuals. We are on a mission to empower underserved communities through responsible and innovative lending practices. Role Overview: We are seeking a professional, experienced, and people-oriented Human Resources Manager to oversee HR operations and strategy. This role is critical to our growth and employee well-being. The HRM will handle all core HR functions, including recruitment, payroll, compliance, and employee engagement , and will work directly with the CEO to align HR strategy with business goals. Key Responsibilities: Recruitment & Talent Acquisition: Drive full-cycle recruitment across departments and branches Collaborate with department heads and leadership to forecast manpower needs Develop talent pipelines aligned with the company’s growth plans Payroll & Compensation Management: Manage end-to-end payroll processing with accuracy and timeliness Ensure statutory deductions, incentives, and benefits are correctly processed Liaise with Finance to reconcile payroll and maintain audit readiness HR Operations & Systems: Maintain and update employee records in HRMS tools like HR One Oversee onboarding, documentation, and exit processes Generate reports and HR analytics for management Employee Relations & Culture Building: Serve as a go-to person for staff queries and grievance redressal Foster a respectful, inclusive, and performance-oriented workplace Conduct regular feedback sessions and resolve conflicts professionally Policy & Compliance: Ensure adherence to labor laws, NBFC guidelines, and internal SOPs Draft and implement HR policies and codes of conduct Candidate Requirements: Minimum 7 years of total HR experience , with at least 3 years in an NBFC or financial institution Strong knowledge of HRMS software (preferably HR One ) Excellent verbal and written communication skills Calm, empathetic, and composed personality capable of dealing with people patiently Bachelor’s or Master’s degree in Human Resource Management, Business Administration, or equivalent Preferred Qualities: Hands-on experience in scaling HR operations High emotional intelligence with a mature and solution-focused approach Strong ethical standards and confidentiality in handling sensitive matters Compensation: Competitive, based on experience and qualifications Growth: Opportunity to lead the HR function as the company scales nationally Let me know if you'd like this converted into a formal PDF or Word file, or want to add sections like perks, travel requirements, or performance metrics. Show more Show less

Branch Credit Manager(HL,Lap,IL) Job Title: Branch Credit Manager – IL, Housing Loans, & MSME Loans Company: Premium finlease Pvt.Ltd. Location: Bhiwani Employment Type: Full-Time Job Summary We are seeking a dedicated and experienced Branch Credit Manager to oversee and manage our Individual Loan (IL), Housing Loan, and MSME Loan portfolios. The ideal candidate will have a strong background in credit analysis, underwriting, portfolio management, and team leadership. This role demands a proactive professional who can optimize credit processes, ensure compliance with regulatory norms, and contribute to the overall growth and profitability of the branch. Key Responsibilities Credit Appraisal & Underwriting Evaluate, appraise, and underwrite credit proposals for IL, Housing Loans, and MSME Loans. Perform thorough financial and risk assessments, including analysis of credit reports, financial statements, collateral, and market conditions. Make well-researched, data-driven credit decisions in line with the company’s risk appetite. Portfolio Management Monitor and manage loan portfolios, ensuring timely repayment and minimal delinquency. Continuously track borrowers’ creditworthiness, market changes, and early-warning signals to mitigate risks. Develop strategies to improve asset quality and reduce Non-Performing Assets (NPAs). Compliance & Risk Management Ensure adherence to internal credit policies, regulatory guidelines (RBI/NBFC norms), and compliance standards. Maintain accurate documentation, records, and audit trails for all loan files. Implement internal controls to safeguard assets and uphold the organization’s credit integrity. Branch Operations & Team Leadership Lead and mentor the credit team at the branch, providing guidance on complex credit assessments and underwriting decisions. Collaborate closely with the sales and operations teams to streamline loan processing and enhance the customer experience. Organize training and capacity-building sessions on credit policies, risk assessment, and best practices for team members. Relationship Management Build and maintain strong relationships with local customers, community stakeholders, and referral partners. Represent the NBFC in local forums and events to promote brand visibility and business growth. Coordinate with external agencies (valuation, legal, verification) to facilitate smooth credit processing. Reporting & Analysis Prepare regular reports on key portfolio metrics, delinquency trends, and credit performance for senior management. Leverage data analytics and market insights to forecast credit demand and identify new business opportunities. Provide feedback and recommendations on product enhancements, process improvements, and new credit initiatives. Qualifications & Requirements Education: Bachelor’s degree in Finance, Commerce, Business Administration, or a related field. A Master’s degree or a professional certification (CA, MBA, CFA, etc.) will be preferred. Experience: Minimum 5+ years of experience in credit underwriting, credit appraisal, or a similar role within an NBFC or a bank. Proven track record in handling Individual Loans (IL), Housing Loans, and MSME Loans is mandatory. Technical Skills: Strong knowledge of credit risk assessment tools and methodologies. Proficiency in MS Office (Excel, Word, PowerPoint) and familiarity with loan origination systems or relevant software. Soft Skills: Excellent communication and interpersonal skills for customer interactions and internal coordination. Strong analytical, decision-making, and problem-solving abilities. Ability to work under pressure, meet targets, and manage multiple priorities. Leadership skills to guide, mentor, and motivate the branch credit team. Key Competencies In-depth understanding of credit risk and lending regulations in the NBFC sector. Customer-centric mindset with the ability to balance business objectives and risk management. Strategic thinking and continuous improvement approach to enhance credit processes and portfolio quality. Ethical conduct and integrity in all decision-making and stakeholder interactions. Why Join Us Growth Opportunities: Work in a dynamic environment with prospects for professional advancement. Impactful Role: Contribute to financial inclusion by extending credit to individuals, families, and businesses in need. Collaborative Culture: Be part of a supportive team that values innovation, integrity, and excellence. Competitive Compensation: Attractive salary package, incentives, and benefits commensurate with experience. Show more Show less

Branch Manager NBFC (HL, Lap, IL) Job Title: Branch Manager – HL, LAP & Individual Loans Location: Hisar, Haryana Company: Premium Finlease Pvt. Ltd. Department: Sales & Branch Operations Experience: 5-7 Years (NBFC/BFSI) Reporting To: Area/Zonal Manager About Us: Premium Finlease Pvt. Ltd. is a fast-growing Non-Banking Financial Company (NBFC) committed to empowering individuals and entrepreneurs through easy access to credit. With a strong focus on Home Loans (HL) , Loan Against Property (LAP) , and Individual Loans , we aim to support financial inclusion in both urban and semi-urban markets. Role Overview: We are looking for an experienced and target-driven Branch Manager to lead our branch operations in Hisar, Haryana . The ideal candidate should have a strong command over HL, LAP, and unsecured individual loan products, combined with leadership abilities to guide and manage a branch team effectively. This role focuses on sales target achievement, quality sourcing, and team performance. Key Responsibilities: Branch Operations & Compliance: Manage day-to-day branch functioning, ensuring adherence to internal policies and regulatory guidelines. Sales Target Achievement: Own and deliver monthly and quarterly disbursement and revenue targets across HL, LAP, and Individual Loans. Business Sourcing: Strategically source new business through DSAs, direct customer walk-ins, channel partners, and local market connections. Team Guidance & Handholding: Lead, mentor, and provide hands-on support to the branch sales and credit team to improve performance and productivity. Pipeline Management: Maintain a healthy pipeline of leads, ensure timely follow-ups, and close deals to achieve business objectives. Performance Monitoring: Track team KPIs, address gaps, and drive initiatives to improve sales conversion ratios. Credit Assessment: Oversee preliminary credit evaluation and ensure sourcing of quality files in line with company’s credit policy. Customer Engagement: Maintain strong relationships with clients, resolve issues promptly, and ensure high satisfaction and repeat business. Market Development: Build visibility and presence in Hisar and nearby markets through local intelligence and partnerships. Portfolio Quality: Monitor post-disbursement performance, support collections team, and maintain healthy asset quality. Key Requirements: Graduate/Postgraduate in Finance, Business Administration, or related field. 5-7 years of experience in NBFC/BFSI sector with deep exposure to Home Loans, LAP, and Personal Loans . Proven track record of achieving sales targets and driving business in similar geographies. Strong network of DSAs, builders, and local market influencers. Excellent leadership, communication, and analytical skills. Proficiency in MS Office, Excel, and Loan Management Systems. What We Offer: Competitive salary + attractive incentives Target-based growth opportunities and recognition Dynamic, fast-paced work environment Supportive leadership with a strong focus on employee development Show more Show less