Job Description

Branch Credit Head – Individual Profile

Department: Credit
Designation: Branch Credit Head
Job Location: Jaipur (Kalwar Road)

1. Job Purpose

To independently manage and assess individual loan applications at the branch level, ensuring sound credit decisions, adherence to the company's credit policy, effective risk assessment, and maintenance of a healthy loan portfolio.

2. Key Roles & Responsibilities

Credit Appraisal & Underwriting

• Independently evaluate individual loan applications received at the branch.
• Assess the applicant's repayment capacity, income, financial stability, and creditworthiness.
• Analyze CIBIL/credit bureau reports and repayment history.
• Verify income documents, bank statements, KYC, and other relevant financial documents.
• Conduct detailed financial and personal risk assessments before recommending or approving cases.

Credit Decision & Risk Management

• Take independent credit decisions within the delegated authority.
• Ensure all proposals comply with the company's credit policy and underwriting guidelines.
• Identify potential frauds, deviations, and high-risk cases.
• Recommend suitable loan amounts, tenure, and repayment structures based on eligibility.
• Ensure proper documentation and compliance before disbursement.

Branch Coordination

• Coordinate with the sales team for smooth processing of loan applications.
• Maintain a balance between business growth and portfolio quality.
• Ensure timely TAT for credit assessment and approval.
• Guide the branch team on credit policies, documentation, and underwriting requirements.

Portfolio Monitoring

• Monitor the quality of loans sanctioned by the branch.
• Track early delinquency, bounce cases, and repayment trends.
• Identify high-risk accounts and highlight potential collection concerns.
• Support the collection team in understanding credit-related issues.

Compliance & Reporting

• Ensure adherence to internal credit policies, regulatory guidelines, and audit requirements.
• Maintain proper credit files and appraisal records.
• Prepare and share periodic credit MIS and portfolio performance reports.
• Ensure zero tolerance for policy violations and fraudulent practices.

3. Required Skills & Competencies

• Strong knowledge of credit underwriting and loan appraisal.
• Good understanding of financial statements and income assessment.
• Knowledge of CIBIL and credit bureau analysis.
• Strong analytical and decision-making abilities.
• Risk identification and assessment skills.
• Good communication and coordination skills.
• Ability to work independently and manage branch-level credit operations.

4. Educational Qualification

• Graduate in Commerce, Finance, Business Administration, or related discipline.
• MBA/PGDM in Finance will be an added advantage.

5. Experience

• 5–8 years of experience in credit appraisal and underwriting in Banking/NBFC.
• Prior experience in handling individual loan profiles and independent credit decisions.
• Branch-level credit handling experience will be preferred.

6. Key Performance Indicators (KPIs)

• Quality of credit decisions and underwriting.
• Loan processing turnaround time (TAT).
• Portfolio delinquency and early bucket performance.
• Credit policy adherence.
• Fraud and deviation control.
• Audit and documentation compliance.
• Sanction-to-disbursement efficiency.