CREDIT MANAGER

PeopleStrong; Chittoor; On-site; INR 900,000 - 1,300,000; Full time

Job summary

PeopleStrong invites applications for Branch Credit Manager – Secured & Unsecured Lending Business. Based in the state, you will lead end-to-end credit operations at assigned branches and collaborate with the branch team to build a quality portfolio.

You will ensure adherence to credit policies, oversee underwriting for mortgages and affordable housing, and coordinate with vendors for legal/technical reports. Strong stakeholder management and communication are essential.

Qualifications

• At least 5 years underwriting experience with 3+ years in Mortgages/Affordable Housing.
• Exposure to Finnone, Perfios, Hunter, Karza required.
• Experience in NBFC or Affordable Housing preferred.

Responsibilities

• End to End managing of Credit Shop at the Branches assigned.
• Support Branch Business Team to acquire Quality Portfolio.
• Ensure first time right logins and disbursement dockets submission.
• Monitor Legal & Technical reports from vendors with quality.
• Own and resolve early mortality, delinquencies and NPAs.
• Suggest improvements in policies/products for Mortgage/Affordable Housing.
• Liaise with Business and SMEs to clear loan proposals quickly.
• Provide inputs to Sr. Management to improve customer experience.
• Liaise with law authorities for conflicts, if any.
• Build a quality and profitable loan portfolio.

Skills

Team leadership

Underwriting

Credit analysis

Stakeholder management

Communication skills

Education

Any UG/PG or MBA

Tools

Finnone

Perfios

Hunter

Karza

Job description

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

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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