Branch Credit Manager-LAP (Trichy / Madurai / Karur / Namakkal )

Job Title: Branch Credit Manager

Location: Trichy / Madurai / Karur / Namakkal

Department: Credit / Risk

Reports To: Regional Credit Manager / Branch Manager

Job Summary

The Branch Credit Manager is responsible for evaluating and managing the credit risk of customers within the assigned branch. This includes overseeing credit assessments, ensuring adherence to credit policies, and maintaining a healthy portfolio by minimizing delinquencies and defaults. The role involves close coordination with the sales, collections, and risk teams.

Key Responsibilities
• Credit Appraisal:
• Analyze and assess creditworthiness of loan applicants based on financial, business, and personal data.
• Review loan applications to ensure compliance with internal credit policies and procedures.
• Approve/recommend credit proposals within delegated authority limits.
• Portfolio Management:
• Monitor the performance of the credit portfolio and identify early warning signals.
• Recommend restructuring, rescheduling, or other remedial actions where necessary.
• Maintain NPAs within acceptable limits.
• Compliance Risk Management:
• Ensure adherence to company policies, RBI guidelines, and regulatory requirements.
• Conduct periodic audits and internal checks of credit files and documentation.
• Team Collaboration:
• Coordinate with the branch sales team to ensure quality sourcing of customers.
• Work with collection teams to ensure timely recovery and resolution of delinquent accounts.
• Reporting:
• Prepare and submit periodic reports on credit performance, approval turnaround time, and risk metrics.
• Present findings and insights to senior management during reviews.

Required Skills And Qualifications
• Bachelor's degree in Finance, Accounting, Economics, or related field (Masters or MBA preferred)
• team handling Experience
• 5-8 years of experience in credit underwriting or credit risk management
• Sound understanding of financial statements and credit risk parameters
• Strong analytical, decision-making, and interpersonal skills
• Knowledge of local market and customer behavior
• Proficiency in MS Office and credit assessment tools

Preferred Experience
• Prior experience in a bank, NBFC, or fintech lending firm
• Familiarity with consumer, SME, or mortgage lending products
• Experience in managing a branch credit portfolio

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