Branch Credit

GrowXCD Finance; Jagtial; On-site; INR 500,000 - 800,000; Full time

Job summary

GrowXCD Finance is seeking a professional for Credit Assessment & Underwriting to evaluate loan applications, ensure compliance with credit policies, and work closely with multiple teams for seamless loan processing. Responsibilities include analyzing financial documents, monitoring loan performance, and maintaining documentation. The ideal candidate will have experience in risk management and a solid understanding of regulatory guidelines, with a focus on mitigating risks while driving business growth.

Qualifications

• Proven experience in evaluating loan applications and analyzing financial documents.
• Ability to conduct personal discussions with borrowers.
• Familiarity with internal credit policies and regulatory guidelines.

Responsibilities

• Evaluate loan applications based on customer profile and income.
• Ensure adherence to internal credit policies and risk norms.
• Work with various teams for smooth processing of loans.
• Monitor loan performance and recommend corrective actions.
• Maintain accurate documentation as per regulatory requirements.

Job description

Credit Assessment & Underwriting

• Evaluate loan applications for secured products (Loan Against Property, gold loans, vehicle loans, etc.) based on customer profile, income, collateral value, and creditworthiness.
• Analyze financial documents, bank statements, ITRs, property documents, and valuation/legal reports.
• Conduct personal discussions (PDs) with borrowers (where applicable) to assess repayment capability and intent.

Risk Management & Policy Adherence

• Ensure adherence to internal credit policies, regulatory guidelines, and risk norms.
• Identify and highlight potential risks or fraud indicators in applications.
• Maintain a healthy balance between risk control and business growth.

Coordination & Stakeholder Management

• Work closely with sales, legal, technical, and operations teams to ensure smooth processing and timely disbursement.
• Coordinate with legal and technical vendors for timely verification and reporting.

Portfolio Monitoring

• Track branch loan performance, delinquency trends, and early warning signals.
• Participate in monthly portfolio review meetings and recommend corrective actions.

Documentation & Compliance

• Ensure complete and accurate documentation as per the loan product and regulatory requirements.
• Maintain MIS and audit-ready records for credit decisions and disbursement files.