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.