Branch Credit Manager

PeopleStrong Pte Ltd; Durg; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

PeopleStrong Pte Ltd is seeking a Branch Credit Manager for Home Loans and LAP to oversee underwriting of secured retail assets. You will perform deep financial and technical assessments of property-backed applications to sustain a high-quality, low-delinquency portfolio in line with RBI/NHB regulations.

You will evaluate ITR/P&L, balance sheets, and bank statements, validate valuation and legal title data, assess risk, and approve files within authority limits while ensuring strict KYC/AML

Qualifications

• Financial appraisal of ITR, P&L, balance sheets, and bank statements for SEP and salary applicants.
• Review and validate Technical Valuation reports and Legal Title Search Reports to meet collateral standards.
• Assess borrower profile, repayment capacity, and credit history to reach a well-reasoned credit decision.

Responsibilities

• Underwrite secured assets with financial and property assessments.
• Approve files within Branch Credit Authority or prepare memos for higher authorities.
• Ensure compliance with KYC and AML policies.
• Maintain audit-ready documentation for internal and external audits.
• Act as a bridge between the sales team and operations to improve file quality.
• Identify red flags in property documents or financial submissions to mitigate fraud.
• Analyze early delinquency signals to prevent NPAs.

Skills

Credit risk assessment

Underwriting

Loan against property

Process optimization

Workflow management

Task management

Team management

Risk assessment

Motivation

Multitasking

Education

Graduation

Job description

Credit Credit Risk Assessment Loan Against Property Underwriting Process Optimization Exception Management Workflow Management Task Management Multitasking Team Management Motivation Risk Assessment

Graduation

Job Description

The Branch Credit Manager for Home Loans and Loan Against Property (LAP) is a critical role responsible for the underwriting of secured retail assets. You will be tasked with conducting deep-dive financial and technical assessments of property-backed loan applications. The objective is to maintain a high-quality, low-delinquency portfolio while ensuring strict adherence to Credit Policies and RBI/NHB regulatory guidelines.

Key Responsibilities

1. Credit Underwriting (Secured Assets)

Financial Appraisal: Analyze Income Tax Returns (ITR), P&L statements, Balance Sheets, and bank statements for self-employed individuals (SEP) and salary slips/Form 16 for salaried applicants (SENP).

Property Assessment: Review and validate Technical Valuation reports (from empanelled valuers) and Legal Title Search Reports (LSR) to ensure the property meets the company's collateral standards.

Risk Evaluation: Assess borrower profile, repayment capacity, and credit history (Bureau scores) to arrive at a well-reasoned credit decision.

Approval/Rejection: Approve files within the defined Branch Credit Authority (BCA) or recommend cases to higher authorities with detailed credit memos and risk mitigating factors.

2. Operational & Regulatory Compliance

Policy Adherence: Ensure all files are processed according to the latest credit policy, avoiding unauthorized deviations.

KYC & AML: Enforce strict compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) policies.

Audit Readiness: Maintain impeccable documentation for every file to ensure readiness for internal and external audits.

Business Partnership: Act as a bridge between the sales team and operations. Provide constructive feedback on file structuring to help achieve business goals without compromising credit quality.

Fraud Mitigation: Vigilantly identify potential red flags in property documents or financial submissions to prevent fraud or misrepresentation.

Delinquency Management: Proactively analyze early warning signals in the branch’s portfolio to prevent future NPAs.