Branch Credit Manager - Affordable Home Loans - Repalle

BFSI connect; Bapatla; On-site; INR 450,000 - 550,000; Full time

Job summary

BFSI connect in Repalle is seeking a Branch Credit Manager to lead credit underwriting and risk assessment for Affordable Housing Finance. You will evaluate loan applications, ensure policy and regulatory compliance, and support branch sales teams to enable responsible credit decisions that safeguard portfolio quality.

The role requires 3 years of experience, strong knowledge of RBI/NHB norms, and willingness to travel across branches.

Qualifications

• 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.

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.

Skills

Credit Appraisal

Underwriting

Risk Assessment

Regulatory Knowledge RBI/NHB

Loan Documentation

Field Investigation Oversight

Customer & Branch Coordination

Fraud Detection & Prevention

Training & Mentoring

Decision-Making & Analytical Ability

English & Telugu/Tamil

MS Office

LOS/LMS

Digital Underwriting Tools

Education

Graduate

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 : Repalle
• 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.