Job Description

Job Description

Job Title – Branch Credit Manager

Place of work – Mumbai

Business Unit – Retail Banking

Function – 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/KYC 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.

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Roles & Responsibilities
• The incumbent will be responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
• To conduct personal discussion with customers to establish Credit worthiness.
• The incumbent will ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• To coordinate with sales to achieve targets and ensure TAT or SLAs 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

Educational Qualifications

Graduate – Any

Post Graduate – CA or MBA Finance.

Experience: Minimum of 8+ Years’ experience in Credit