Branch Credit Manager - Affordable Home Loans - Gudivada

BFSI connect; Krishna; On-site; INR 300,000 - 500,000; Full time

Job summary

BFSI connect invites applications for Branch Credit Manager to lead credit underwriting in Affordable Housing Finance. You will evaluate loan applications, ensure policy and RBI/NHB compliance, and support branch sales teams with responsible credit decisions.

The role requires 3 years of experience, graduate degree, willingness to travel, and strong analytical skills. You will mentor staff, coordinate with branches, and contribute to portfolio quality through risk analysis and due diligence.

Qualifications

• Graduate in any discipline with preferred MBA/CA Inter.
• 4–8 years of experience in credit underwriting (Affordable Housing Finance or LAP preferred).
• Strong knowledge of credit policies, risk management practices, property laws, and regulatory norms.
• Willingness to travel across assigned branches/regions.

Responsibilities

• Evaluate and underwrite home loan applications based on income, banking, property, and field investigation reports.
• Approve/recommend cases within delegated authority, ensuring compliance with credit policies.
• Conduct detailed risk analysis, identify red flags, and ensure due diligence in high-risk/deviation cases.
• Ensure accurate documentation of KYC, income, property, and legal papers as per RBI/NHB guidelines.
• Work closely with sales and operations teams to enable timely approvals and disbursals.
• Monitor early delinquencies and provide corrective recommendations to maintain portfolio quality.
• Train sales/branch staff on credit policies, documentation, and fraud prevention.
• Support internal audits, compliance reviews, and regulatory inspections.],
• CoT_job_summary_short
• COMPANY NAME: BFSI connect
• KEY POINTS: Credit underwriting, risk assessment, regulatory knowledge, travel ready
• job_summary_short":"<p>BFSI connect invites applications for Branch Credit Manager to lead credit underwriting in Affordable Housing Finance. You will evaluate loan applications, ensure policy and RBI/NHB compliance, and support branch sales teams with responsible credit decisions."<p>"The role requires 3 years of experience, graduate degree, willingness to travel, and strong analytical skills. You will mentor staff, coordinate with branches, and contribute to portfolio quality through risk analysis and due diligence."</p>
• contract_type
• fulltime
• location_type
• on site
• remote_scope":null,

Skills

Credit Appraisal & Underwriting

Risk Assessment & Portfolio Monitoring

Regulatory & Compliance Knowledge

Loan Documentation & Verification

Customer & Branch Coordination

Fraud Detection & Prevention

Training & Mentoring

Decision-Making & Analytical Ability

English & Regional Languages

MS Office/LOS/LMS/Digital Underwriting

Field Investigation Oversight

Education

Graduate in any discipline (MBA/CA Inter preferred)

Tools

MS Office

LOS/LMS

Digital Underwriting Tools

Job description

A critical role responsible for credit underwriting and risk assessment in the Affordable Housing Finance segment. The Branch Credit Manager will evaluate loan applications, ensure compliance with policies and regulatory guidelines, and support branch sales teams by enabling responsible credit decisions that safeguard portfolio quality.

• Locations : Gudivada
• Experience : 3
• Listing Date : 02-09-2025
• Skills Required : Credit Appraisal & Underwriting | Risk Assessment & Portfolio Monitoring | Regulatory & Compliance Knowledge (RBI/NHB) | Loan Documentation & Verification | Customer & Branch Coordination | Fraud Detection & Prevention | Training & Mentoring | Decision-Making & Analytical Ability | Proficiency in English & Regional Languages (Telugu/Tamil) | MS Office, LOS/LMS, Digital Underwriting Tools | Field Investigation Oversight
• Pay Details : Up to Rs. 5 LPA
• Must Have :

  • Graduate in any discipline (MBA/CA Inter preferred).

  • 4–8 years of experience in credit underwriting (Affordable Housing Finance or LAP preferred).

  • Strong knowledge of credit policies, risk management practices, property laws, and regulatory norms.

  • Willingness to travel across assigned branches/regions.

Key Responsibilities :

Evaluate and underwrite home loan applications based on income, banking, property, and field investigation reports.

Approve/recommend cases within delegated authority, ensuring compliance with credit policies.

Conduct detailed risk analysis, identify red flags, and ensure due diligence in high-risk/deviation cases.

Ensure accurate documentation of KYC, income, property, and legal papers as per RBI/NHB guidelines.

Work closely with sales and operations teams to enable timely approvals and disbursals.

Monitor early delinquencies and provide corrective recommendations to maintain portfolio quality.

Train sales/branch staff on credit policies, documentation, and fraud prevention.

Support internal audits, compliance reviews, and regulatory inspections.