Branch Credit Manager – Home Loans

2 days ago

Banjara Hills, Telangana, India Nestavia Home Finance Private Limited Full time

Location :
Andhra Pradesh, Telangana & Tamil Nadu

Department :
Credit & Risk | Affordable Housing Finance

Job Summary
We are seeking a detail-oriented and analytical Branch Credit Manager to manage credit assessment and loan approval processes for the Affordable Housing segment. The role involves evaluating creditworthiness, conducting risk assessments, and ensuring compliance with internal policies and regulatory norms. The ideal candidate will support multiple branches across Andhra Pradesh, Telangana, and Tamil Nadu, working closely with sales, operations, and risk teams to enable responsible and sustainable lending.

Key Responsibilities
Credit Assessment :
Evaluate loan applications for affordable home loans, analyzing income documents, banking, property details, and field investigation reports.

Underwriting :
Approve or recommend cases within delegated authority, ensuring adherence to credit policy and risk framework.

Risk Analysis :
Assess borrower profiles, identify potential risks, and ensure due diligence in high-risk cases or deviations.

Compliance & Documentation :
Ensure all credit decisions are documented properly, with necessary KYC, legal, and property papers in place, following RBI and NHB guidelines.

Branch Coordination :
Work closely with branch sales and operations teams to ensure timely processing and disbursal of cases while maintaining portfolio quality.

Portfolio Monitoring :
Track early delinquencies and flag high-risk accounts; suggest corrective action plans when necessary.

Training & Audit Support :
Train frontline staff on documentation, credit norms, and fraud prevention. Provide support during internal audits and regulatory inspections.

Qualifications And Skills
Education :
Any Graduates ,MBA or CA Inter preferred.

Experience :
4–8 years of experience in credit underwriting, preferably in affordable housing finance or LAP (Loan Against Property).

Knowledge :
Strong understanding of credit policies, risk management practices, property laws, and regulatory guidelines.

Analytical Skills :
Ability to assess financial, identify credit red flags, and take balanced decisions.

Tech Proficiency :
Comfortable using LOS/LMS systems, MS Office (Excel, Word), and digital underwriting tools.

Communication :
Good verbal and written communication in English and local languages (Telugu, Tamil).

Mobility :
Willing to travel across assigned branches/regions for field visits and coordination.

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