Credit Manager

PeopleStrong; Bulandshahr; On-site; INR 1,080,000 - 1,320,000; Full time

Job summary

PeopleStrong invites a Credit Manager – Branch Channel to oversee end-to-end credit operations for secured and unsecured lending across branches in India. The role reports into senior credit leadership and coordinates with PAMAC and branch teams.

The candidate should bring 5+ years of underwriting experience, strong credit policy knowledge, and the ability to drive process improvements and digitalization initiatives.

Qualifications

• 5+ years of underwriting experience in credit.
• At least 3 years in unsecured lending / small ticket loans.
• Experience with origination software like Finn One and risk tools is desirable.

Responsibilities

• End to end managing of Credit Shop at PAMAC, centralized processing for all branches across India.
• Lead outsourced credit process staff at PAMAC in Chennai to process branch-provided credit proposals in Finn One.
• Support Branch Team to acquire quality portfolio and respond to business requirements.

Skills

Interpersonal communication

Analytical skills

Underwriting under pressure

Education

MBA or UG/PG

Tools

Finn One

Perfios

Hunter

Karza

Job description

Credit Manager – Branch Channel. Secured & Unsecured Lending Business

Grade

D1

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 PAMAC which is Standardized/ central processing center for All Branches Across India.
• Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system.
• Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio
• To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations.
• Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs .
• Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system.
• To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation.
• 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.
• Continuously work on process improvements with PAMAC and Branches .
• 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 hard work.
• 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 at least 3 years unsecured Lending experience in small mid ticket loans. Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable.
• Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments
• 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 small ticket unsecured Business loans preferred.

Job Location / State

Chennai /TN.

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

Unsecured Lending Credit experience.

Communication Skills

Good oral, written and presentation skills

Experience

5+ years of overall experience

Uncompromising ethical standards and discipline expected