Branch Credit Manager

Role & responsibilities

• File checking for document sufficiency as per the policy.
• Feedback the upfront discrepancies to the sales team.
• Create the file on processing system / tracking systems.
• Handling credit tools such as CAM.
• Doing reference check, Cash flow analysis & Doing collateral verification
• Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
• Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records
• Preparation of Credit Appraisal Memo & forwarding the same case once its cleared to Cluster Manager
• Maintaining TAT for approval

Pre and Post disbursement

• Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
• Ensure the completion of Risk Screening (FCU) process for all files
• Post Disbursal Documentation
• End Use Verification
• Maintain audit and compliance.
• Responsible for collection.

What you would possess already:

• Bachelor's degree in finance, accounting, economics, or a related field. A master's degree or relevant professional certifications (such as CFA, FRM) would be a plus.
• 2+ Years of Exp in Credit Underwriting.
• Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.
• Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.
• Familiarity with relevant regulatory frameworks and compliance requirements in the financial services sector.
• Proficiency in using credit analysis tools, financial software, and data analytics platforms.