Branch Credit Manager

PeopleStrong Pte Ltd; Latur; On-site; INR 900,000 - 1,300,000; Full time

Job summary

PeopleStrong Pte Ltd in Maharashtra seeks a Branch Credit Manager to lead underwriting of Home Loans and LAP, ensuring credit quality while complying with RBI/NHB guidelines.

You will assess income, valuations, and legal reports to support credit decisions, and work with sales/ops to sustain portfolio health and regulatory compliance.

Qualifications

• Experience underwriting secured retail assets (home loans and LAP).
• Ability to analyze financial statements and valuation reports.
• Adherence to credit policies and RBI/NHB guidelines.
• Maintain meticulous documentation for audits.

Responsibilities

• Underwrite secured assets and approve/refer as per BCA.
• Review IT returns, P&L, balance sheets, and bank/tax docs.
• Ensure KYC/AML compliance and audit readiness.

Skills

Credit underwriting

Financial appraisal

Property assessment

Risk evaluation

KYC & AML

Audit readiness

Regulatory compliance

Delinquency management

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.