Branch Credit Manager

PeopleStrong; Pali; On-site; INR 900,000 - 1,500,000; Full time

Job summary

PeopleStrong is seeking a Branch Credit Manager for Secured & Unsecured Lending to lead underwriting across a network of branches. You will supervise credit operations, ensure quality portfolio growth, and drive timely disbursements while partnering with business teams and vendors.

You bring 5+ years in underwriting, mortgage/affordable housing experience, and proficiency with Finnone and risk tools. Strong communication, ethics, and stakeholder collaboration are essential to optimize customer

Qualifications

• 5+ years of underwriting experience with mortgages/affordable housing.
• Exposure to loan origination software (Finnone) and risk tools (Perfios, Hunter, Karza).
• Experience evaluating 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 portfolio.
• Ensure first-time-right logins and proper disbursement docket submission.

Skills

Mortgage underwriting

Affordable housing

Team handling

Stakeholder management

Credit policy adherence

Communication skills

Pressure handling

Loan underwriting experience

Interpersonal skills

Portfolio quality

Education

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.

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