Branch Credit Manager

PeopleStrong; Bapatla; On-site; INR 900,000 - 1,700,000; Full time

Job summary

PeopleStrong is seeking a Branch Credit Manager – Secured & Unsecured Lending based in Andhra Pradesh. You will manage end-to-end credit operations at the branch, ensuring quality portfolios and timely decisioning in collaboration with multiple stakeholders.

You will work with Finnone, Perfios, Hunter and Karza for risk assessment, while aligning with policy guidelines and regulatory requirements. Strong communication and team leadership are essential for success in this role.

Qualifications

• 5+ years of underwriting experience including mortgages and affordable housing.
• Experience with loan origination software and risk tools.
• Ability to assess proposals for lower and middle income segments.

Responsibilities

• End to end management of Credit Shop at assigned Branches.
• Support Branch Business Team to acquire quality portfolios.
• Ensure First Time Right logins and proper submission of disbursement dockets.
• Monitor legal/technical reports from vendors and maintain report quality.
• Own and resolve early mortality, delinquencies, and NPAs.
• Understand and improve policies for Micro LAP and Affordable Housing.
• Liaise with business and SMEs to clear loan proposals for faster decisions.
• Identify opportunities to improve customer experience and address unmet needs.
• Liaise with law authorities to resolve conflicts if any.
• Build a quality and profitable loan portfolio.

Skills

Underwriting

Credit analysis

Mortgage underwriting

Affordable housing

Team management

Stakeholder collab

Policy adherence

Communication

Education

MBA or UG/PG

Tools

Finnone

Perfios

Hunter

Karza

Job description

Branch Credit Manager – Secured & Unsecured Lending Business

Grade

4

Employment Type

All Employment Type

Reporting to –

State Credit Manager – Secured & Unsecured Lending Business

No. of Reportees, Designation & Grade

Credit Operations

Main Tasks & Areas of Responsibility

• End to End Managing of Credit Shop at the Branches assigned
• Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio
• To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations.
• Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well.
• Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products.
• To liaison with Business, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning.
• To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
• To effectively liaison with law authorities for resolving conflicts if any.
• To Build a Quality and Profitable Loan Portfolio.

Skills and Exposure

• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
• Proven ability to Work under Pressure with regard to TAT
• Adherence to laid down credit policies and suggest improvements if any.
• Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza.
• Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.
• Excellent interpersonal and verbal communication skills
• Ability to Work & Deliver business targets under pressure
• Working knowledge of Collections/ Recoveries.
• Be Accountable for Portfolio Quality of the Location.

Special Requirements (If any)

Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

Stake Holders

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

Educational Qualification / Technical Certification

Any UG/PG or MBA

Skill Sets

Experience in Home Loans / Mortgages, with team handling skill sets.

Communication Skills

Good oral, written and presentation skills

Experience

5+ years of overall experience

Uncompromising ethical standards and discipline expected