Branch Credit Manager

PeopleStrong; Thoothukudi; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

PeopleStrong is seeking a Branch Credit Manager – Secured & Unsecured Lending Business to lead end-to-end credit operations across assigned branches in Tamil Nadu. You will oversee underwriting, portfolio quality, and collaboration with business teams to grow a quality loan book.

The role requires 5+ years in underwriting with mortgage/affordable housing exposure, and hands-on use of loan origination and risk tools like Finnone, Perfios, Hunter, and Karza.

Qualifications

• 5+ years of underwriting experience.
• 3+ years in mortgages and affordable housing.
• Exposure to loan origination software like Finnone and risk tools Perfios, Hunter, Karza.

Responsibilities

• End to end management of Credit Shop at the branches assigned.
• Support Branch Business Team to acquire quality portfolio.
• Ensure first time right logins and disbursement dockets submission to Central Operations.
• Monitor technical and legal reports from vendors.
• Own and resolve early mortality, delinquencies and NPAs.
• Liaise with Business and SMEs to clear loan proposals for faster decisions.
• Improve customer experience by addressing unmet needs of the customer.
• Liaise with law authorities for conflict resolution.
• Build a quality and profitable loan portfolio.

Skills

Underwriting

Mortgage underwriting

Team handling

Stakeholder management

Credit policy adherence

Communication skills

Education

MBA

UG/PG

Tools

Finnone

Perfios

Hunter

Karza

Job description

Branch Credit Manager – Secured & Unsecured Lending Business

Grade

4

Employment Type

All Employment Type

Reporting to –

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