Branch Credit Manager

<p align="center" style="line-height:108%;margin-bottom:0.28cm;"> </p><table width="492" cellpadding="7" cellspacing="0"><colgroup><col width="144" /><col width="318" /></colgroup><tbody><tr valign="top"><td width="144" height="13" bgcolor="#ed7d31" style="background:#ed7d31;border:1px solid #000000;padding:0cm 0.19cm;"><p style="margin-top:0.42cm;"><font color="#ffffff"><font style="font-size:14pt;"><span lang="en-us" xml:lang="en-us"><b>Job Title</b></span></font></font></p></td><td width="318" style="border:1px solid #000000;padding:0cm 0.19cm;"><p align="justify" style="margin-top:0.42cm;"><font color="#000000"><font style="font-size:14pt;"><span lang="en-us" xml:lang="en-us"><b>Branch Credit Manager</b></span></font></font></p></td></tr><tr valign="top"><td width="144" height="23" bgcolor="#002060" style="background:#002060;border:1px solid #000000;padding:0cm 0.19cm;"><p align="justify" style="margin-top:0.42cm;"><font color="#ffffff"><font style="font-size:14pt;"><span lang="en-us" xml:lang="en-us"><b>Grade</b></span></font></font></p></td><td width="318" style="border:1px solid #000000;padding:0cm 0.19cm;"><p align="justify" style="margin-top:0.42cm;"><font color="#000000"><font style="font-size:14pt;"><span lang="en-us" xml:lang="en-us"><b>Senior Officer to DM</b></span></font></font></p></td></tr><tr valign="top"><td width="144" height="12" bgcolor="#ed7d31" style="background:#ed7d31;border:1px solid #000000;padding:0cm 0.19cm;"><p align="justify" style="margin-top:0.42cm;"><font color="#ffffff"><font style="font-size:14pt;"><span lang="en-us" xml:lang="en-us"><b>Department</b></span></font></font></p></td><td width="318" style="border:1px solid #000000;padding:0cm 0.19cm;"><p align="justify" style="margin-top:0.42cm;"><font color="#000000"><font style="font-size:14pt;"><span lang="en-us" xml:lang="en-us"><b>Credit</b></span></font></font></p></td></tr></tbody></table><p align="center" style="line-height:108%;margin-bottom:0.28cm;"> <br /> </p><p align="center" style="line-height:108%;margin-bottom:0.28cm;"><b style="font-size:12pt;font-family:Calibri, sans-serif;color:rgb(0,0,0);">Job Purpose:</b></p><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us"><i>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.</i></span></font></font></p><p lang="en-us" align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;" xml:lang="en-us"> <br /> <br /> </p><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><font style="font-size:12pt;"><span lang="en-us" xml:lang="en-us"><b>Key Responsibilities:</b></span></font></font></font></p><ul> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Ensure accurate documentation and track post</span></font></font><font color="#000000"><font face="Cambria Math, serif"><span lang="en-us" xml:lang="en-us">‑</span></font></font><font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">disbursement document (PDD) closure where applicable.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Coordinate with sales/operations for clarifications, rework, and smooth disbursement.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations & PDs of specific cases.</span></font></font></p></li> </ul><p lang="en-us" align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;" xml:lang="en-us"> <br /> <br /> </p><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><font style="font-size:12pt;"><span lang="en-us" xml:lang="en-us"><b>Skills Required:</b></span></font></font></font></p><ul> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Strong analytical and decision-making skills.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Knowledge of retail lending credit policies and scorecards.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Proficiency in digital KYC, fraud control, and MIS tools.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Attention to detail and compliance orientation.</span></font></font></p></li> </ul><p lang="en-us" align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;" xml:lang="en-us"> <br /> <br /> </p><p align="justify" style="line-height:0.49cm;margin-bottom:0.28cm;"> <font color="#000000"><font face="Calibri, sans-serif"><font style="font-size:12pt;"><span lang="en-us" xml:lang="en-us"><b>Educational Qualifications and Experience:</b></span></font></font></font></p><p> </p><ul> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">Graduate / Post-Graduate in Finance, Commerce, or related field.</span></font></font></p></li> <li><p align="justify" style="line-height:0.49cm;margin-bottom:0cm;"> <font color="#000000"><font face="Calibri, sans-serif"><span lang="en-us" xml:lang="en-us">1–3 years in credit appraisal/underwriting; experience in digital/fintech lending preferred.</span></font></font></p></li> </ul>