Credit Manager

PeopleStrong; Tiruppur; On-site; INR 1,200,000 - 2,500,000; Full time

Job summary

PeopleStrong is seeking a Branch Credit Manager to lead end-to-end credit operations at assigned branches in India. The role focuses on underwriting quality for secured and unsecured lending, driving a high-quality portfolio and meeting business targets.

The candidate should have 5+ years in underwriting, with mortgage/affordable housing exposure, and hands-on use of Finnone, Perfios, Hunter, and Karza. Strong communication and stakeholder coordination are essential.

Qualifications

• 5+ years experience in underwriting, 3+ in Mortgages & Affordable Housing.
• Exposure to Finnone, Perfios, Hunter, Karza loan tools.
• Experience in Home Loans/Mortgages with team handling.
• Understands NBFCs and affordable housing policies.
• Excellent interpersonal and verbal communication skills.

Responsibilities

• End to End Managing of Credit Shop at the Branches assigned.
• Support Branch Business Team to acquire Quality Portfolio.
• Ensure FIRST TIME RIGHT of Logins and Disbursement dockets to Central Operations.
• Monitor Technical & Legal functions for timely vendor reports with quality.
• Own & resolve early mortality, delinquencies and NPAs.
• Understand competition policies; suggest policy improvements.
• Liaise with Business and SMEs to clear loan proposals for faster decisioning.
• Suggest improvements to customer experience to Sr. Management.
• Liaison with law authorities for conflicts.
• Build a Quality and Profitable Loan Portfolio.

Skills

Underwriting experience

Affordable Housing

Mortgages experience

Perfios

Hunter

Karza

Finnone

Communication skills

Portfolio quality

Targets under pressure

Education

MBA or UG/PG

Tools

Finnone

Perfios

Hunter

Karza

Job description

Branch Credit Manager – Secured & Unsecured Lending Business

Grade

4

Employment Type

All Employment Type

Reporting to –

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 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.

Skills and Exposure

• 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.

Special Requirements (If any)

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

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

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

Communication Skills

Good oral, written and presentation skills

Experience

5+ years of overall experience

Uncompromising ethical standards and discipline expected