Branch Credit Manager

PeopleStrong; Coimbatore District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

PeopleStrong is seeking a Branch Credit Manager for Secured & Unsecured Lending. You will oversee end-to-end credit operations at designated branches, ensuring portfolio quality and timely disbursement actions while collaborating with business teams and subject matter experts to accelerate loan decisions.

The role requires 5+ years in underwriting, with at least 3 years in mortgages or affordable housing, and strong knowledge of loan origination software and risk tools.

Qualifications

• 5+ years of underwriting experience
• 3+ years in Mortgages & Affordable Housing
• Exposure to Loan Origination software like Finnone and risk tools
• Strong adherence to policies with ability to suggest improvements
• Excellent interpersonal and verbal communication skills

Responsibilities

• End to end management of Credit Shop at branches
• Support Branch Business Team to acquire quality portfolio
• Ensure first-time right logins and proper disbursement dockets
• Monitor legal/technical reports from vendors and ensure quality
• Own and resolve early mortality, delinquencies and NPAs
• Liaise with Business and SMEs to clear loan proposals quickly
• Suggest improvements to current policies & products
• Coordinate with State, Zonal and National teams
• Build a quality and profitable loan portfolio

Skills

Credit underwriting

Mortgages

Affordable Housing

Underwriting under pressure

Stakeholder liaison

Education

Any UG/PG or MBA

Tools

Finnone

Perfios

Hunter

Karza

Job description

Branch Credit Manager – Secured & Unsecured Lending Business

Grade

4

Employment Type

All Employment Type

Reporting to – Designation & Grade

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.

Job Location / State

:

Compensation Band

:

Entitlements

:

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