Branch Credit Manager

PeopleStrong; Thoothukudi; Sur place; INR 1 200 000 - 1 800 000; Plein temps

Résumé du poste

PeopleStrong is seeking a Branch Credit Manager – Secured & Unsecured Lending to lead credit operations at selected branches in Tamil Nadu. You will oversee end-to-end underwriting, ensure first-time-right login and disbursement processing, and drive a quality, profitable loan portfolio for lower and middle income customers.

The role requires 5+ years of underwriting experience in mortgages, affordable housing, and NBFCs, with exposure to Finnone, Perfios, Hunter, and Karza.

Qualifications

• 5+ years of underwriting experience.
• Experience in Mortgages & Affordable Housing.
• Exposure to Loan Origination software (Finnone).
• Familiarity with risk tools like Perfios, Hunter, Karza.

Responsabilités

• End-to-end management of credit shops at assigned branches.
• Support branch business teams to acquire quality portfolios.
• Ensure first-time-right logins and proper submission of disbursement dockets.

Connaissances

Underwriting

Mortgage & Affordable Housing

Team leadership

Interpersonal skills

Communication

Work under pressure

Formation

MBA or equivalent

UG/PG

Outils

Finnone

Perfios

Hunter

Karza

Description du poste

Branch Credit Manager – Secured & Unsecured Lending Business

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Grade

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Employment Type

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All Employment Type

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Reporting to –

Designation & Grade

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State Credit Manager – Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

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Credit Operations

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Main Tasks & Areas of Responsibility

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• 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.

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Skills and Exposure

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• 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.

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Special Requirements (If any)

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Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

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Job Location / State

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Compensation Band

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Entitlements

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Stake Holders

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Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

B

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Educational Qualification / Technical Certification

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Any UG/PG or MBA

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Skill Sets

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Experience in Home Loans / Mortgages, with team handling skill sets.

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Communication Skills

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Good oral, written and presentation skills

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Experience

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5+ years of overall experience

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Uncompromising ethical standards and discipline expected