Branch Credit Manager

Role/ Job Title: Branch Credit Manager

Function/ Department: Micro Finance Loans

Job Purpose:

The incumbent will be required to manage a team as well as coordinate with sales team to achieve target. You will be in direct contact with the consumers in order to establish their credit worthiness. You also need to ensure completion of credit or know your customer documents and verifications through telephonic, field and collateral visits while complying with the guidelines set forth in the in the company credit policy. The execution of this these tasks must be accomplished in such manner which is both sales supportive and risk averse.

Roles & Responsibilities:
• The incumbent will be responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies and procedure to honour the agreed service level agreements and manage city or area business volumes.
• To conduct personal discussion with customers to establish credit worthiness.
• The incumbent will ensure completion of credit or know your customer documents and verification - telephonic, field and collateral visits.
• To coordinate with sales to achieve targets and ensure turnaround time or service level agreements are met.
• To ensure credit policy adherence to the accepted standards.
• To control and contain front-end delinquencies by calling up customer on first presentation.
• To manage and supervise a team of credit underwriters and provide guidelines.

Education Qualification:

Graduation: Bachelor’s in Engineering / Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Management.

Experience: 2 to 5 years of experience in credit