(Immediate Start) 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