Credit Manager – Branch Channel

PeopleStrong; Delhi; On-site; INR 2,500,000 - 3,500,000; Full time

Job summary

PeopleStrong seeks a Credit Manager – Branch Channel for their Secured & Unsecured Lending Business in Chennai. The role oversees end-to-end credit operations, leads outsourced processors, and ensures timely approvals and quality portfolio growth.

Candidates should have 5+ years in underwriting, with unsecured lending experience and strong communication skills. Proficiency with Finn One and risk tools like Perfios is desirable.

Qualifications

• 5+ years of overall experience in underwriting.
• Unsecured lending credit experience with small-mid ticket loans.
• Experience with origination tools like Finn One and risk tools is desirable.

Responsibilities

• End-to-end management of Credit Shop at PAMAC for branches across India.
• Lead outsourced credit process staff and process credit proposals via Finn One.
• Ensure first-time-right approvals and disbursement dockets.
• Review delinquency at branch/area level and manage NPAs.
• Collaborate with law authorities to resolve conflicts and build quality portfolio.

Skills

Unsecured lending

Credit underwriting

Risk assessment

Interpersonal communication

Pressure handling

Collections knowledge

Education

MBA or UG degree

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 –

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