JOB DESCRIPTION – BRANCH CREDIT MANAGER Job Title/Grade: Branch Manager - Credit Department: Credit Reporting to: Cluster Credit Manager (CCM) or National Credit Manager (NCM) Overview The Branch Manager - Credit is responsible for overseeing and managing credit and operational processes for home loans within the designated region. This role involves credit appraisal, compliance maintenance, customer application review, and strategic credit assessment. The Branch Manager also ensures streamlined operations to provide an exceptional customer experience while fostering a motivating work environment across multiple branches. Age Group: 22-30 years Compensation: ₹3.00 - ₹5.00 Lakhs CTC General Job Responsibilities Credit & Operational Management: Manage credit and operations for home loans within the region, ensuring adherence to policies, procedures, and credit underwriting guidelines. Maintain TAT (Turnaround Time), compliance standards, and procedural integrity. o Oversee customer application screening, KYC, and income documentation collection for loan initiation. o Initiate legal, valuation, CIBIL, and other verification reports as part of the credit process. Credit Assessment: Interpret Credit Bureau Reports and analyze bank statements and other documents for accurate income assessment. Engage directly with customers to evaluate business and income capacity per the Credit Manual & Guidance Notes. Principal Accountabilities Post-Approval Coordination: Work closely with Sales Officers (SO) to ensure adherence to sanction conditions, accurate loan documentation, and file submission for disbursements. Track and collect all post-disbursal documents, including loan closure letters, sale deeds for new purchases, and post-dated cheques (PDC) and NACH forms to ensure timely EMI payments. Operational Excellence: Ensure smooth and efficient branch operations to provide the best customer experience. o Lead and support Centre Managers and other center staff, coaching and counseling to achieve operational goals. o Set performance targets, regularly review achievements, identify deviations, and address underlying causes. o Maintain high-quality standards within branch operations through Total Quality Management and Process Improvement practices.
experience
6 ... JOB DESCRIPTION – BRANCH CREDIT MANAGER Job Title/Grade: Branch Manager - Credit Department: Credit Reporting to: Cluster Credit Manager (CCM) or National Credit Manager (NCM) Overview The Branch Manager - Credit is responsible for overseeing and managing credit and operational processes for home loans within the designated region. This role involves credit appraisal, compliance maintenance, customer application review, and strategic credit assessment. The Branch Manager also ensures streamlined operations to provide an exceptional customer experience while fostering a motivating work environment across multiple branches. Age Group: 22-30 years Compensation: ₹3.00 - ₹5.00 Lakhs CTC General Job Responsibilities Credit & Operational Management: Manage credit and operations for home loans within the region, ensuring adherence to policies, procedures, and credit underwriting guidelines. Maintain TAT (Turnaround Time), compliance standards, and procedural integrity. o Oversee customer application screening, KYC, and income documentation collection for loan initiation. o Initiate legal, valuation, CIBIL, and other verification reports as part of the credit process. Credit Assessment: Interpret Credit Bureau Reports and analyze bank statements and other documents for accurate income assessment. Engage directly with customers to evaluate business and income capacity per the Credit Manual & Guidance Notes. Principal Accountabilities Post-Approval Coordination: Work closely with Sales Officers (SO) to ensure adherence to sanction conditions, accurate loan documentation, and file submission for disbursements. Track and collect all post-disbursal documents, including loan closure letters, sale deeds for new purchases, and post-dated cheques (PDC) and NACH forms to ensure timely EMI payments. Operational Excellence: Ensure smooth and efficient branch operations to provide the best customer experience. o Lead and support Centre Managers and other center staff, coaching and counseling to achieve operational goals. o Set performance targets, regularly review achievements, identify deviations, and address underlying causes. o Maintain high-quality standards within branch operations through Total Quality Management and Process Improvement practices.
experience
6 
