Branch Credit Manager

Branch Credit Manager(HL,Lap,IL)

Job Title: Branch Credit Manager – IL, Housing Loans, & MSME Loans

Company: Premium finlease Pvt.Ltd.

Location: Hisar , Haryana

Employment Type: Full-Time

Job Summary

We are seeking a dedicated and experienced Branch Credit Manager to oversee and manage our Individual Loan (IL), Housing Loan, and MSME Loan portfolios. The ideal candidate will have a strong background in credit analysis, underwriting, portfolio management, and team leadership. This role demands a proactive professional who can optimize credit processes, ensure compliance with regulatory norms, and contribute to the overall growth and profitability of the branch.

Key Responsibilities

1. Credit Appraisal & Underwriting

• Evaluate, appraise, and underwrite credit proposals for IL, Housing Loans, and MSME Loans.
• Perform thorough financial and risk assessments, including analysis of credit reports, financial statements, collateral, and market conditions.
• Make well-researched, data-driven credit decisions in line with the company's risk appetite.

1. Portfolio Management

• Monitor and manage loan portfolios, ensuring timely repayment and minimal delinquency.
• Continuously track borrowers' creditworthiness, market changes, and early-warning signals to mitigate risks.
• Develop strategies to improve asset quality and reduce Non-Performing Assets (NPAs).

1. Compliance & Risk Management

• Ensure adherence to internal credit policies, regulatory guidelines (RBI/NBFC norms), and compliance standards.
• Maintain accurate documentation, records, and audit trails for all loan files.
• Implement internal controls to safeguard assets and uphold the organization's credit integrity.

1. Branch Operations & Team Leadership

• Lead and mentor the credit team at the branch, providing guidance on complex credit assessments and underwriting decisions.
• Collaborate closely with the sales and operations teams to streamline loan processing and enhance the customer experience.
• Organize training and capacity-building sessions on credit policies, risk assessment, and best practices for team members.

1. Relationship Management

• Build and maintain strong relationships with local customers, community stakeholders, and referral partners.
• Represent the NBFC in local forums and events to promote brand visibility and business growth.
• Coordinate with external agencies (valuation, legal, verification) to facilitate smooth credit processing.

1. Reporting & Analysis

• Prepare regular reports on key portfolio metrics, delinquency trends, and credit performance for senior management.
• Leverage data analytics and market insights to forecast credit demand and identify new business opportunities.
• Provide feedback and recommendations on product enhancements, process improvements, and new credit initiatives.

Qualifications & Requirements

• Education: Bachelor's degree in Finance, Commerce, Business Administration, or a related field. A Master's degree or a professional certification (CA, MBA, CFA, etc.) will be preferred.
• Experience:
• Minimum 5+ years of experience in credit underwriting, credit appraisal, or a similar role within an NBFC or a bank.
• Proven track record in handling Individual Loans (IL), Housing Loans, and MSME Loans is mandatory.
• Technical Skills:
• Strong knowledge of credit risk assessment tools and methodologies.
• Proficiency in MS Office (Excel, Word, PowerPoint) and familiarity with loan origination systems or relevant software.
• Soft Skills:
• Excellent communication and interpersonal skills for customer interactions and internal coordination.
• Strong analytical, decision-making, and problem-solving abilities.
• Ability to work under pressure, meet targets, and manage multiple priorities.
• Leadership skills to guide, mentor, and motivate the branch credit team.

Key Competencies

• In-depth understanding of credit risk and lending regulations in the NBFC sector.
• Customer-centric mindset with the ability to balance business objectives and risk management.
• Strategic thinking and continuous improvement approach to enhance credit processes and portfolio quality.
• Ethical conduct and integrity in all decision-making and stakeholder interactions.

Why Join Us

• Growth Opportunities: Work in a dynamic environment with prospects for professional advancement.
• Impactful Role: Contribute to financial inclusion by extending credit to individuals, families, and businesses in need.
• Collaborative Culture: Be part of a supportive team that values innovation, integrity, and excellence.
• Competitive Compensation: Attractive salary package, incentives, and benefits commensurate with experience.

Questions

Have you worked with any NBFC or Bank for at least 4-5 years ?

Do you have credit experience of minimum 2 years ?

Have you worked in housing Loan, Lap or Individual loans for a minimum of 2 years ?