Branch Credit Manager

1 week ago

Biaora Sehore Vidisha, India Prodigee Finance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

We are Hiring- Branch Credit Manager

Preferred Candidate Profile:

1-3 years of direct experience in credit risk assessment, underwriting, or loan approvals within an NBFC or the BFSI sector, with a proven track record of successfully managing credit portfolios and minimizing NPAs.

Role & responsibilities

Credit Assessment & Underwriting

  • Lead the evaluation of business loan applications, analyzing financial data, credit history, and repayment capacity.
  • Approve or recommend loan proposals within your designated credit authority limits.
  • Conduct thorough due diligence on applicants, their businesses, residence and the collateral offered.
  • Implement and refine underwriting policies for secured loan products.
  • Ensure strict adherence to the company's credit risk policies and all regulatory guidelines.

Risk Management & Portfolio Monitoring

  • Actively monitor the loan portfolio to identify early warning signals and implement preventive measures.
  • Utilize tools like credit scoring and risk analytics to accurately assess borrower risks.
  • Develop and execute proactive strategies to minimize delinquencies and Non-Performing Assets (NPAs).
  • Collaborate closely with the collections department to enhance recovery efforts and processes.

Compliance & Reporting

  • Guarantee that all credit operations comply with the guidelines set by the RBI, SEBI, and internal NBFC policies.
  • Maintain meticulous documentation and clear audit trails for every credit decision made.
  • Prepare and present detailed credit risk reports for senior management.

Collaboration & Stakeholder Management

  • Work seamlessly with the sales, operations, and collections teams to create a streamlined and efficient credit process.
  • Liaise with external agencies for essential functions like credit verification and fraud detection.
  • Engage effectively with auditors and regulators to ensure compliance and transparency in all credit activities.

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