Branch Credit Manager

IIFL Home Finance; Dadri; On-site; INR 600,000 - 900,000; Full time

Job summary

IIFL Home Finance is seeking a Branch Credit Manager to evaluate digital loan applications and underwrite decisions while adhering to policy and regulatory standards.

You will perform KYC, fraud checks, and post-disbursement tracking, coordinating with sales and operations to ensure seamless, paperless disbursements. Ideal candidates have 1–3 years in credit appraisal and a background in fintech lending.

Qualifications

• Graduate or postgraduate in finance, commerce, or related field.
• 1-3 years in credit appraisal/underwriting; fintech lending experience preferred.
• Experience with digital loan applications is a plus.

Responsibilities

• Evaluate digital loan applications within defined TAT using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.
• Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.
• Ensure accurate documentation and track post-disbursement document closure where applicable.
• Coordinate with sales/operations for clarifications, rework, and smooth disbursement.
• Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.
• Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations PDs of specific cases.

Skills

Analytical skills

Decision making

Credit policies & scorecards

KYC & fraud control

MIS tools

Education

Graduate / Post-Graduate in Finance, Commerce, or related field

Job description

Job Summary

Responsible for evaluating and underwriting loan applications received via digital channels. Focus on quick, accurate decisioning with policy adherence, KYC verification, fraud checks, and coordination with stakeholders to achieve seamless, paperless disbursements.

Responsibilities

• Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates, and fraud screening; **escalate suspicious cases.**
• Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.
• Ensure accurate documentation and track post-disbursement document (PDD) closure where applicable.
• Coordinate with sales/operations for clarifications, rework, and smooth disbursement.
• Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.
• Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations PDs of specific cases.

Skills

• Strong analytical and decision-making skills.
• Knowledge of retail lending credit policies and scorecards.
• Proficiency in digital KYC, fraud control, and MIS tools.
• Attention to detail and compliance orientation.

Educational Qualifications and Experience

• Graduate / Post-Graduate in Finance, Commerce, or related field.
• 1-3 years in credit appraisal/underwriting; experience in digital/fintech lending preferred.

Job Details

• Job Title: Branch Credit Manager
• Grade: Senior Officer to DM
• Department: Credit