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: Haryana & UP , (Hisar , Hansi , Bhiwani, Mathura) 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 - 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. - 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). - 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. - 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. - 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. - 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.