Credit Portfolio 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

Key Competencies

Why Join Us