Branch Credit Manager

JOB ROLE
 Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
 Verifying the promoter’s track record & ascertaining their credit worthiness.
 Analysis of the financial statements of the prospective customer to identify the short term & long term
solvency & liquidity position
 To ensure Bounce Rate and Delinquency are within acceptable standards.
 Monitor and enforce approval rate and TAT as per prescribed standards.
 Monitor and ensure that monthly Branch audit score is satisfactory.
 Vendor Management.
 To conduct customer meeting to evaluate credit proposal
 PDD Tracking and closure
 Compliance to repayment instrument replenishment to ensure regular repayment of EMI
KEY RESPONSIBILITIES
Credit Decisions
 Take sound lending decisions based on available information & interactions with the applicants.
 Manage credit quality and control delinquencies, frauds.
Monitoring Performance
 Managing performance in terms of key drivers i.e.
o Loses / Portfolio quality parameters
o Cost of credit administration
o Employee Productivity