Job Description
Job Requirements
Role/ Job Title: Branch Credit Manager-Rural
Function/ Department: Retail Banking
Job Purpose:
The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.
Roles & Responsibilities:
• Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms.
• Maintaining Credit TAT to ensure the growth of business.
• Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases.
• Conducting Random Visits in order to cross check the authenticity of the Contact point verifications.
• To manage post disbursement documents and partly disbursed cases.
• Maintaining credit MIS and various management reporting as required
• Manage Audit compliance for the branch and support in other operational activities.
• Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
• Recommend process changes in order to improve service efficiency and quality across the assigned area.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.
Educational Qualifications:
Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate.
Experience:
5-10 years of relevant experience.
Role/ Job Title: Branch Credit Manager-Rural
Function/ Department: Retail Banking
Job Purpose:
The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.
Roles & Responsibilities:
• Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms.
• Maintaining Credit TAT to ensure the growth of business.
• Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases.
• Conducting Random Visits in order to cross check the authenticity of the Contact point verifications.
• To manage post disbursement documents and partly disbursed cases.
• Maintaining credit MIS and various management reporting as required
• Manage Audit compliance for the branch and support in other operational activities.
• Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
• Recommend process changes in order to improve service efficiency and quality across the assigned area.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.
Educational Qualifications:
Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate.
Experience:
5-10 years of relevant experience.
💡 Quick Summary
Seeking a career-building opportunity? The Branch Credit Manager-Rural position is now open for candidates interested in the Bank Jobs sector. This role in Sujangarh offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
