Branch Credit Manager

<p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span lang="en-us" style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Key Responsibilities:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">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:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">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:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">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:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Ensure accurate documentation and track post</span><span lang="en-us" style="font-family:'Cambria Math', serif;color:#000000;" xml:lang="en-us">‑</span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">disbursement document (PDD) closure where applicable.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Coordinate with sales/operations for clarifications, rework, and smooth disbursement.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">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:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">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 lang="en-us" style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us"> </span></b></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span lang="en-us" style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Skills Required:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="margin-bottom:0cm;text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Strong analytical and decision-making skills.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0cm;text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Knowledge of retail lending credit policies and scorecards.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0cm;text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Proficiency in digital KYC, fraud control, and MIS tools.</span></p><p></p><p class="MsoListParagraphCxSpLast" style="margin-bottom:0cm;text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Attention to detail and compliance orientation.</span></p><p></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span lang="en-us" style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us"> </span></b></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span lang="en-us" style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Educational Qualifications and Experience:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="margin-bottom:0cm;text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">Graduate / Post-Graduate in Finance, Commerce, or related field.</span></p><p></p><p class="MsoListParagraphCxSpLast" style="margin-bottom:0cm;text-align:justify;text-indent:-18pt;line-height:14pt;"><span lang="en-us" style="font-family:Symbol;color:#000000;" xml:lang="en-us">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span lang="en-us" style="font-family:Calibri, sans-serif;color:#000000;" xml:lang="en-us">1–3 years in credit appraisal/underwriting; experience in digital/fintech lending preferred.</span></p><p></p><p> </p><p class="MsoNormal" style="margin-bottom:0cm;text-align:justify;line-height:14pt;"><span lang="en-us" style="font-size:10pt;font-family:'DM Sans';color:#000000;" xml:lang="en-us"> </span></p>