Job Description

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Role Description
Designation: Branch Credit Manager
Grade: EB-2-Assistant Manager/EB-3-Deputy Manager
Legal Entity: Equitas Small Finance Bank
Business Unit: Retail Banking
Division: Emerging Enterprise Banking
Department: Credit
Travel required: Yes/No (if Yes, please mark ->)
Level of travel: Moderate/Extensive
Level: Individual Contributor / Supervisory /
Purpose of the role:

• The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents and personal discussion as per company process

• To ensure high quality delivery of relevant vehicle finance products & services to our clients in a fair and transparent manner.
• The role holder is responsible for the credit appraisal of all vehicle finance proposals at the branch for New CV business. The role holder is also responsible for escalating proposals that fall beyond the incumbent's empowerment level.

Key Responsibilities:

• Ensure proper credit evaluation of customers as per policy & process
• Conduct personal discussion with customers for evaluation of Loan proposal
• Support the branch team in achieving desired branch objective.
• Manage & Maintain TAT for Loan disbursement.
• Supervisor & mentor Credit officer & Officer Credit Operation.
• To diligently appraise loan applications in line with credit policy of the organization.
• Ensure Credit policies to build a good quality portfolio of the branch.
• Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records.
• Completion of PDD on time for the Loan Disbursed
• Ensure Quality Portfolio of the branch is Maintained
• Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria
• Maintain high standards on credit appraisal through personal understanding of customer, as appropriate supplemented by documentation provided
• Minimize turnaround time per application
• Maintain a high quality portfolio at branch level.
• Manage and support other operations activities at the branch.
• Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate

Ensure that the PDD is collected and maintained as per credit norms.
Desired Experience:

• Number of years of experience (05-08 years)
• Type of companies/sector worked for(Private commercial banks and large NBFCs)
• Responsibilities managed in the previous organizations(Primarily Credit function. Past experience in credit side of CV.)
• Languages (English/Hindi/Marathi)
• Computer/technical skills (Basic Computer Skills MSCIT)

Qualifications:

• Graduation: Any Graduate
• Post-graduation: If any would be an added advantage
• Professional Qualifications: If any would be an added advantage
• Certifications (please specify): If any would be an added advantage