Branch Credit Manager

Key Responsibilities

• Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.
• Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.
• Ensure accurate documentation and track post disbursement document (PDD) closure where applicable.
• Coordinate with sales/operations for clarifications, rework, and smooth disbursement.
• Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.
• Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations PDs of specific cases.

Skills Required

• Strong analytical and decision-making skills.
• Knowledge of retail lending credit policies and scorecards.
• Proficiency in digital KYC, fraud control, and MIS tools.
• Attention to detail and compliance orientation.

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