Branch Credit Manager

<p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Job Purpose: </span></b></p><p><b></b></p><b></b> <p class="MsoNormal" style="text-align:justify;line-height:14pt;"><i><span style="font-family:Calibri, sans-serif;color:#000000;">Responsible for evaluating and underwriting loan applications received via digital channels. Focus on quick, accurate decisioning with policy adherence, KYC verification, fraud checks, and coordination with stakeholders to achieve seamless, paperless disbursements.</span></i></p><p><i></i></p><i></i> <p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p> <p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Key Responsibilities:</span></b></p><p><b></b></p><b></b> <p class="MsoListParagraphCxSpFirst" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.</span></p><p></p> <p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.</span></p><p></p> <p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.</span></p><p></p> <p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Ensure accurate documentation and track post</span><span style="font-family:'Cambria Math', serif;color:#000000;">‑</span><span style="font-family:Calibri, sans-serif;color:#000000;">disbursement document (PDD) closure where applicable.</span></p><p></p> <p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Coordinate with sales/operations for clarifications, rework, and smooth disbursement.</span></p><p></p> <p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.</span></p><p></p> <p class="MsoListParagraphCxSpLast" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations & PDs of specific cases.</span></p><p></p> <p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p> <p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Skills Required:</span></b></p><p><b></b></p><b></b> <p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Strong analytical and decision-making skills.</span></p><p></p> <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Knowledge of retail lending credit policies and scorecards.</span></p><p></p> <p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Proficiency in digital KYC, fraud control, and MIS tools.</span></p><p></p> <p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Attention to detail and compliance orientation.</span></p><p></p> <p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p> <p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Educational Qualifications and Experience:</span></b></p><p><b></b></p><b></b> <p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Graduate / Post-Graduate in Finance, Commerce, or related field.</span></p><p></p> <p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">1–3 years in credit appraisal/underwriting; experience in digital/fintech lending preferred.</span></p><p></p>