BRANCH CREDIT MANAGER

PeopleStrong

Solapur

On-site

INR 1,200,000 - 1,800,000

Full time

14 days+

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Job summary

PeopleStrong invites applications for a Branch Credit Manager – Secured & Unsecured Lending. The role oversees credit operations across branches, focusing on end-to-end underwriting, portfolio quality, and timely disbursement while collaborating with business teams.

The ideal candidate has 5+ years in underwriting with mortgages/affordable housing exposure, proficiency in Finnone and risk tools, and strong communication. Expect a performance-driven, high-responsibility environment in Maharashtra.

Qualifications

5+ years of overall experience in underwriting and credit
Mortgages & Affordable Housing experience with 2+ years in similar roles
Exposure to Loan Origination software like Finnone
Familiarity with risk tools such as Perfios, Hunter, Karza
Strong ability to appraise proposals for Lower & Middle Income segments
Excellent interpersonal and verbal communication skills
Ability to work and deliver targets under pressure
Knowledge of Collections/ Recoveries processes and portfolio quality

Responsibilities

End-to-end management of the credit shop at the branches assigned
Support branch business teams to acquire quality portfolios
Ensure first-time right logins and timely disbursement docket submission
Monitor technical & legal reports from vendors for quality and timeliness
Own and resolve early mortality, delinquencies, and NPAs in the portfolio
Recommend policy/product improvements for affordable housing and micro LAP
Liaise with business and SMEs to clear loan proposals quickly
Provide inputs to senior management to improve customer experience and meet unmet needs
Coordinate with law authorities for conflicts if any
Build a quality and profitable loan portfolio from the location

Skills

Underwriting experience

Mortgages & Affordable Housing

Credit policies

Communication skills

Work under pressure

Portfolio quality

Team handling

Ethical standards

Collections/ Recoveries

Education

UG/PG or MBA

Tools

Finnone

Perfios

Hunter

Karza

Job description

Branch Credit Manager – Secured & Unsecured Lending Business

Grade

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