Credit Manager

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

Job summary

PeopleStrong is seeking a Branch Credit Manager to oversee secured and unsecured lending. You will manage end-to-end underwriting at branch level, drive quality portfolios, and coordinate with business teams to expedite loan decisions.

You will ensure compliance with credit policies, handle NPAs, and liaise with law authorities as needed. This role requires 5+ years in underwriting, with housing experience and ERP/tool exposure.

Qualifications

• 5+ years of underwriting experience in mortgage, affordable housing, or NBFC sectors.
• Experience in evaluating loan proposals and managing risk within branch operations.
• Knowledge of loan origination software and risk tools.
• Ability to liaison with business and SME teams to clear proposals efficiently.

Responsibilities

• End to end management of the credit shop at the assigned branches.
• Support branch business teams to acquire quality portfolios.
• Ensure correctness of login and disbursement dockets submitted to Central Operations.
• Monitor legal and technical reports from vendors and maintain report quality.
• Own and resolve early mortality, delinquencies, and NPAs in new and existing portfolios.
• Suggest improvements in policies for micro LAP and affordable housing.
• Liaise with business and subject matter experts to clear loan proposals for faster decisioning.
• Identify opportunities to improve customer experience and address unmet needs.

Skills

Underwriting

Mortgages

Affordable Housing

Portfolio Management

Stakeholder Management

Communication Skills

Pressure Handling

Policy Adherence

Ethical Standards

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

B

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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